Remove Prince Parker & Associates from Your Credit Report the Easy Way

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Best Strategies to Remove Prince Parker & Associates From Your Credit Report

Despite their bad history and generally annoying nature, credit scores are unfortunately here to stay for the foreseeable future. That means it's important to keep your score as high as possible and improve it if you can. If you incur debt through any number of all-too-human situations, that can be a hard thing to do. It's even worse if a collections agency like Prince Parker & Associates starts coming after you, too. If you need help cleaning up your credit and dealing with an organization like , let DoNotPay help you sort things out.

What Is Prince Parker & Associates

is a debt collection agency based out of Charlotte, North Carolina. Operating since 1993, they've been making people's lives worse by collecting debt related to medical expenses, utility payments, media marketing payments, and telecommunications and internet service bills. Some of their clients include AT&T and DirecTV, among many other businesses.

PPA is active in all areas of collections, meaning they'll hound you from the moment your debts are about to become delinquent up until you pay (and maybe even beyond). They also handle reporting to the credit bureaus directly, meaning they're the ones responsible for damage to your score.

If you need to contact them, you can do so in the following ways:

Strategies for Beating Prince Parker & Associates and Fixing Your Credit

Disputing your credit report and getting things like collections, inquiries, and late payments taken off is a challenge on the best of days, especially when you have to go at it alone. Whether you've been wrongly accused of owing a company by Prince Parker & Associates or there's still something in your report that shouldn't be, it pays to have help in your fight against these institutions. If you find yourself going up against Prince Parker or another collections agency, getting DoNotPay to help you resolve the issue is one of the best moves you can make.

However, you can attempt to do it on your own. If this is what you want to do, here are some things you should know before you begin to dispute your credit report:

What to look for in a credit report? A credit report will tell you what you've spent where and how much you have (or should have) paid off. It can help you calculate your credit score in case you need a loan or something. Here is what you'll find on a typical credit report

Your first and last nameThis could also include any variations or misspellings of your name if you've entered them on any credit card applications.
Your addressThis may also include past addresses where you've received credit reports before.
Your employerIf you've provided employment information to any creditors, it will be included in the report.
Revolving accountsThese are credit card accounts or lines of credit you can regularly borrow from.
Installment loansIf you have a set loan for a car, your college tuition expenses, or a mortgage, this monthly payment information will appear on your credit report.
Open and closed accountsIf you have a bad account that was closed seven years ago, this will be deleted from your report. Accounts closed in good standing will remain on your report for at least ten years.
Your payment historyThis is a history of payments for all accounts except those mentioned above that are deleted from your report.
Recent inquiriesThese include any applications for loans or credit that you have made in the last year or so.
Collection accountsIf you have any unpaid debts that were sent to a collection agency, they will appear here.
Public recordsThese include any information on bankruptcy, foreclosures, or other events that may have affected your credit history.

Get It in Writing

As a rule, always communicate with Prince Parker & Associates in writing. When talking on the phone, everything you say gets recorded and stored for future reference. PPA can reference anything you say in the future to make a case against you, but you won't have that same luxury unless you've also been recording the calls for whatever reason. By corresponding in writing, you'll have a reference of everything you've said to one another that you can use later on.

Request a Validation Letter

A debt validation letter is, as the name implies, a letter validating the debt you have against a company. Before you make any payments, you should always request that PPA send one of these. Not only does this buy you time and get everything on paper (important, like we said), it forces them to take a second look at their information.

A validation letter should contain information like:

  1. The name of the debtor.
  2. When the debt was incurred.
  3. When the debt went into default.
  4. The amount owed.
  5. Information about the debt and how it's to be collected.

If something in the letter doesn't look right or is flat-out wrong, you can potentially get the entire case decided just like that.

Draft a Credit Dispute Letter

A credit dispute letter is your official statement to the credit bureaus that you're disputing something on your credit report. Sending these out means that you claim the information they're reporting is false or incomplete in some way, and that you want it removed or amended from your report. While you can't send a dispute letter just because you don't like what your report says, sending one when the information reported is legitimately false or outdated is the most direct way to get it changed and fix your credit score.

Send demand letters to for an Unresolved Credit Report Dispute

If you've successfully proven you owe no debt to Prince Parker's client or have already paid your debts but see no change to your credit report, you can get DoNotPay to send demand letters to on your behalf. The Fair Consumer Report Act guarantees that your credit report should accurately reflect your financials, so if you see a collection on it that should have been removed but isn't, you have grounds for a lawsuit. Since filing one on your own, even for something this important, takes up a lot of time, DoNotPay offers you an easy way to simplify it with our Small Claims Court product.

Take Care of Prince Parker & Associates Problems and Fix Your Credit with DoNotPay’s Help

If you're struggling to solve these credit problems on your own, DoNotPay is ready to step in and help. Just follow these few easy steps to get where you need to go, then we can do the rest:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!

  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!

What Else Can DoNotPay Do?

If you've sorted out your problem with Prince Parker & Associates and fixed your credit, DNP might still be of help to you. We offer a ton of other services, too, including:

Whether it's fixing your credit report or getting a landlord to fix your door, DoNotPay has your back. Try the app today to find out just how much we can do for you.

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