How to Remove Remex, Inc. From Your Credit Report
Are you struggling to overcome a poor credit report from Remex, Inc.? If so, you are not alone. At least 16% of all Americans have poor credit today, with another 18% having only fair credit. It's difficult to maintain a good, strong credit score, so it's no wonder that many Americans are dealing with bad credit reports from Remex, Inc. and other collections agencies. If you want to clean your credit report, you can and should be able to do so with ease.
Cleaning a credit report sounds intimidating, and, in some cases, it can be challenging. However, there are many ways that you can clean your credit report. With a little help from a service like DoNotPay, cleaning your report, disputing a credit report, making a credit dispute letter, and removing inquiries on a credit report should be easy and convenient for you. You'll be back on your feet in no time!
What is Remex, Inc.?
Remex, Inc. is a "full-service accounts receivable management company." Basically, this means that it is a company that is charged with collecting debts from individuals for companies that hire Remex to help them. The company prides itself on its full-service care, including:
- "Compassionate Collections"
- Responsive client services
- Accuracy and efficiency in communication and reporting
- Total compliance with state laws, federal laws, and contractual requirements
- Highly effective data security and operational security
Contacting Remex, Inc. About Your Credit Report
If you want to make payments to Remex, Inc., you simply have to go online to use their secure payment portal or call them. If you'd like to dispute a claim about your account, you can contact Remex here:
P.O. Box 765
Rocky Hill, NJ 08553
How to Successfully Dispute a Credit Report with Remex
What if you receive a collection request from Remex, Inc. but don't believe that the debt that Remex is trying to collect belongs to you? You certainly don't want to be stuck paying a debt that isn't yours simply because Remex got something wrong. Thankfully, disputing an incorrect credit report or debt charge isn't too difficult. There are a few things you may want to dispute on your credit report.
If you believe that you are receiving a credit report with someone else's information, you may need to contact the credit bureau directly to dispute this mixed-up information. You can contact any of the three main credit bureaus that created your report:
|Credit Bureaus||Phone Number||Mailing Address|
|Experian||(888) 397-3742||Experian, P.O. Box 4500, Allen, TX 75013|
|TransUnion||(800) 916-8800||TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016|
|Equifax||(866) 349-5191||Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348|
If you've already paid your debt and believe that Remex should not be contacting you regarding such debt, you need to contact the company. The easiest way to do this is to send a letter and proof you paid your debt through the mail to Remex, Inc., P.O. Box 765, Rocky Hill, NJ 08553. You'll want to provide:
- Proof of payment (canceled check, credit card statement, bank statement, receipt, etc.)
- A letter including your name, address, telephone number, and an account number for Remex or for the client for which Remex is collecting.
If you really don't believe that you owe a debt and want Remex removed from your credit report once and for all, you can request debt validation. To do this, it's best to send a letter requesting debt validation. Here's how this process works:
- Include your account number at the top of the letter.
- State your name and the debt collection request to which you are responding.
- Request information such as:
- The name and address of the original creditor.
- The original account number.
- The amount of debt you supposedly owe.
- Request verification of the debt such as:
- The billing statement from the original creditor.
- A detailed explanation of any interest added or payments made since that statement.
- The date the original creditor claims that your debt became delinquent.
- Request verification of Remex's authority to collect your debt such as:
- License number.
- Name on the license.
- Name, address, and telephone number of the state agency issuing the license.
With that, you can send your letter. Under the Fair Debt Collection Practices Act (FDCPA), the agency has to stop debt collection practices until they have responded to your debt validation request with the appropriate information.
How to Clean Your Credit Report with Help from DoNotPay
If you're not sure how to get started cleaning up your credit report or just don't have the time to craft a letter requesting validation, DoNotPay can help. With three easy steps, you can clean up your credit report without wasting time and stress. Here's how it works:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as a reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- 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 with the creditor or major credit bureaus.
- 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!
- 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.
DoNotPay can take care of your credit report in no time! Plus, you can check out its other products such as Credit Limit Increase, Get My Credit Report, and Keep Unused Cards Active if you'd like help with any of those options as well.
Other Ways DoNotPay Can Help
Cleaning your credit report with DoNotPay is easy and simple. If you'd like to know more about how you can save time and money with DoNotPay's services, check out some of their other offerings such as:
- Finding help to pay bills.
- Appealing for financial aid.
- Canceling any service or subscription.
- And more!
To see all the ways DoNotPay can help you, today!