How to Write LCS Dispute Letters

The information on your credit report is used by lenders to gauge your ability to pay debt. According to an FTC study, one in four credit reports have errors. This means that approximately 25% of all debt applications are rejected or receive stricter terms or rates due to errors.

This is why you need to review your credit report and in case of errors, send LCS credit dispute letters to improve your credit score.

Cleaning up your credit report exposes you to higher approval rates, better interest rates, higher loan limits, and better terms. How do you go about it? Is it true that the process is complicated and takes years? How can you simplify it and fasten the results?

DoNotPay has your answers. This article explores everything you need to know about LCS debt collectors and how to write credit dispute letters to them.

About LCS Debt Collectors

LCS is a debt collection agency. They go by the name of LCS Financial. The table below shows their contact information and more details.

Is LCS a Legitimate Company?

Yes. LCS is a real debt collection agency. But that doesn’t mean scammers aren’t out there pretending to be LCS. That’s why it’s important to know your rights, be sure to deal with legitimate agents at LCS, and know how to write a dispute letter to LCS.

About Credit Dispute Letters

Credit scams happen all the time. You need to keep an eye on your credit report and keep it tidied up. Think of this as regular financial housekeeping, do it a few times a year at least.

If you have reason to believe there is misrepresented or inaccurate information on your credit report, here is what you can dispute.

1. Incorrect personal information
2. Negative items that are beyond the statute of limitations for reporting.
3. Inaccurate reporting of account or other information
4. Mixed or split credit files
5. Duplicate reporting of an item
6. Fraud or identity theft information

You can fight back against unfair collection practices, and your first step is to write a debt validation letter to LCS, if that’s the agency trying to collect a debt you don’t owe.

Sometimes They’re Called “Prove it Letters”

Now, DoNotPay can help you write a dispute letter to LCS, or you can do it yourself. To be effective, your letter must contain the following information:

• The current date
• LCS contact information (above)
• Your correct contact information
• Your signature
• A description of the incorrect debt, and why you believe it’s incorrect.

For instance, try to include account numbers, dates of service, and a reason why you believe this debt is incorrect. If you paid a debt in full already, include that information.

Keep a copy of this letter and proof that you mailed it, too. The receipt from the post office is enough.

How to Spot a Scammer

Unfortunately, credit scams are rampant. Some hacker in India will get into a database, find out a bunch of information, and try to take your money. It makes it really hard to stay on top of your credit report, and can cause a lot of anxiety.

Keep track of these points when talking to a debt collector:

1. They should speak English reasonably well.
2. Their paperwork should be immaculate, with no misspellings or poor grammar.
3. The return address is in the US.

If you’re not sure that an agent works for LCS, call them using the information above. LCS will connect you to an employee or provide their email address. If LCS has no record of them, they’re a scammer.

Remember, DoNotPay can help you clean your credit report and steer clear of LCS debt collection scammers.

DoNotPay Can Help with LCS Credit Dispute Letters

If you need to write a credit dispute letter to LCS, but aren’t comfortable doing so, DoNotPay can help. Just follow the steps below.

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!