Get Todd Bremer and Lawson off Your Credit Report With DoNotPay
Having collection agencies like on your credit report can prevent you from getting the funding you need. Before you apply for credit, checking your own credit report is a good idea. Not only do lenders want to see that you have a reasonable debt-to-income ratio, but they also want to make sure that you're in the habit of paying loans off. Verifying ahead of time that your report doesn't have any errors and that there aren't any charges or accounts you aren't responsible for is the best way to avoid frustrating surprises.
The good news is that there are ways to improve your credit score and increase your purchasing power. DoNotPay can help you:
- Draft and submit debt validation letters
- Remove inquiries from your credit report
- Dispute credit report
- Write a credit dispute letter
- Remove collection agencies
- Remove late payments from your credit report
As the world's first robot lawyer, DoNotPay can make sure that collection agencies and credit reporting bureaus are honoring your rights under the Fair Credit Reporting Act (FCRA). DoNotPay can also help you demand appropriate action or take legal actions of your own whenever your consumer rights are being impinged upon.
What Is Todd Bremer and Lawson?
Founded in 1974, , Inc. is a third-party debt collection agency that specializes in educational debt recovery. If you have one or more entries on your credit report from Todd Bremer and Lawson, this likely means that one or more of your student loan debts have been sold to this company. Educational lenders sell accounts to Todd Bremer and Lawson after they've made several unsuccessful efforts to collect on their own. Among some of the student debts that this collection agency buys are:
- Unpaid campus parking fees
- Health professional loans
- Private and institutional loans
- Nurse faculty and general nursing loans
- Student receivables
- Federal Perkins loans
Contact Information for Todd Bremer and Lawson, INC.
|General Address||Todd Bremer and Lawson, Inc.
560 S Herlong Avenue
Rock Hill, SC 29732
|Mailing Address||Todd Bremer and Lawson, Inc.
P.O. Box 36788
Rock Hill, SC 29732-0512
|Phone Number||(877) 427-6544|
What Are Your Rights Under the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is designed to protect the data that's collected by tenant screening services, medical information agencies, and consumer reporting agencies. It also sets limits on debt collection practices and requires that all consumer credit reporting be both true and accurate. Under the FCRA, collection agencies like Todd Bremer and Lawson, Inc. cannot:
- Make threats that are not legally supported.
- Use obscene or profane language in their written or verbal communications.
- Fail to report a debt as disputed to credit bureaus.
- Contact your family members, neighbors, or friends concerning your debt.
- Fail to identify themselves as a debt collection agency.
There are also critical steps that Todd Bremer and Lawson must take after purchasing one of your educational debts. Some of these steps must be taken even before this agency starts the collections process. These include voluntarily submitting a debt validation letter and detailing in writing which portion of the current debt amount is being charged as a "collection fee".
How to Dispute a Todd Bremer and Lawson Entry on Your Credit Report
When you want to know how to fix your credit score, it's important to understand your rights under the FCRA. It's also important to note their limitations. If Todd Bremer and Lawson is attempting to collect a valid debt, your best bet may be to negotiate a lower payment amount. This is called submitting a "Pay-to-Delete" negotiation letter. When you do this, you'll be agreeing to pay all or most of the original debt, while receiving forgiveness for interest, collection fees, and other secondary charges. Without a solid legal reason, it's rarely possible to make debts like these simply disappear.
Reasons Why You Might Remove an Entry From Todd Bremer and Lawson on Your Credit Report
By law, if there are entries on your credit report that are inaccurate or incomplete, you can dispute these with the three main credit bureaus and with the reporting company. There are several common errors that collection agencies make when making entries on consumer credit reports. These are
- Including incorrect consumer information or consumer contact information.
- Making an "open" notation on an account that's closed.
- Being reported as an account owner rather than an authorized account user or co-signer.
- Listing the same debt multiple times.
- Incorrectly reporting accounts as delinquent.
It's also not unheard of to have creditors like Todd Bremer and Lawson make entries on your credit report for debts that belong to someone with a similar name.
To correct these problems, you should start by contacting Todd Bremer and Lawson, Inc. with your complaint. You can make inquiries about your account by contacting the company directly by phone. However, dispute letters and all other demands should be submitted to the company in writing. You can also submit your dispute or complaints to the three main credit reporting bureaus:
You Can Sue for an Unresolved Credit Dispute With Todd Bremer and Lawson, INC.
It can take between 10 and 14 days for Todd Bremer and Lawson to respond to any credit dispute or complaint that you submit. However, if you do not receive a suitable response from this company within an acceptable amount of time, you also have the option of suing this company in small claims court. DoNotPay can help you file a suit in small claims court with its Sue Now product.
Next Steps if You’re Having a Hard Time Getting Todd Bremer and Lawson to Take Action
Some consumers wait months for collection agencies to respond to their credit dispute letters. After you've contacted Todd Bremer and Lawson and have submitted your complaints to the three main credit reporting bureaus, you may want to reach out to the Consumer Financial Protection Bureau (CFPB). The CFPB now offers federal support for credit reporting issues. However, you can expect similar response times when reporting your issue to the CFPB. If you need help clearing up your credit report right away, you can always get a far faster solution by using DoNotPay instead.
Contact Information for the CFPB
Consumer Financial Protection Bureau
PO Box 27170
Washington, DC 20038
Let DoNotPay Help You Clean Todd Bremer and Lawson off Your Credit Report
From removing late payments from your credit report to helping you fix your credit score, DoNotPay has got you covered. With DoNotPay, you can get a swift, seamless solution that effectively addresses all of your credit concerns. If you're trying to improve your purchase power ahead of applying for financing, using DoNotPay is the swiftest and surest way to get the job done.
How to clean up your credit report using DoNotPay:
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as 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 to 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.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
Why Use DoNotPay to Clean Up Your Credit Report?
Dealing with collection agencies and credit reporting bureaus on your own can be confusing. You may not know how to draft a debt validation letter or other written demand that incites action. Moreover, even when you submit your demands correctly, it can take weeks or months for them to take action. These delays can be incredibly problematic if you're eager to submit loan applications for a new car, a new house, or any other essential or big-ticket item. Unresolved problems on your credit report can even make it difficult to:
- Rent an apartment.
- Make the right impression on prospective employers.
- Get cell phone service.
- Get utility services for your apartment or house.
With DoNotPay, you can rest assured that your requests for action will be expedited. DoNotPay has extensive experience in dealing with credit reporting issues. The solutions provided by the DoNotPay Clean My Credit product make getting the results you need both fast and easy.
DoNotPay Works Across All Agencies and Groups With One Click
You can use DoNotPay to quickly clear entries from from your credit report. However, if you have credit disputes or inaccurate entries from other collection agencies, DoNotPay can help with these too. With just one click, DoNotPay works across all agencies and groups.
What Else Can DoNotPay Help You With?
The Clean Credit Report product from DoNotPay is merely one of the numerous tools that you can use to improve your finances, solve problems, and successfully handle complex tasks. As an advanced, AI-driven robot lawyer and a highly trusted source of legal and financial info, DoNotPay can help you tackle several frustrating and challenging issues in no time. When you subscribe to DoNotPay, you can quickly:
- Cancel subscriptions you no longer want
- Draft and submit financial aid appeal letters
- Find agencies to help with your unpaid bills
Sign up for DoNotPay now to get started!