Remove TransWorld Systems Inc. From Your Credit Report With the Help of DoNotPay

Sometimes, we get sent to collections without even knowing it. Wrong emails and phone numbers or lackadaisical bookkeeping from companies can leave charges overlooked, thus sending you into a debt collectors' tailspin and, even worse, a poor credit score.

TransWorld Systems is one of those debt collectors that call relentlessly, trying to get you to pay your debt. The caveat with finally paying it off is that it stays on your credit history. Unless you go through the drawn-out process of removing collections from your history, the dings could potentially hinder you from receiving loans, renting apartments, getting credit cards, and more.

Good thing DoNotPay can help you with a lot of debt issues such as how to dispute credit reports, write a debt validation letter, remove a late payment from credit reports, remove inquiries from credit reports, write a credit dispute letter, and fix your credit score overall.

What Is TransWorld Systems Inc. and Third-Party Debt Collecting?

Transworld Systems Inc. (TSI) is a debt collection agency that large corporations source to collect money owed from consumers. For example, if you move to a different city and, for whatever reason, don't pay your final energy bill, your account will then become delinquent. Depending on the company, it's just a matter of time before your information gets sent to a collections agency like TSI.

Here’s the contact information for TSI:

What Information Is on a Credit Report?

Credit reports are a summary of any account that you have opened for credit. This could be anywhere from a credit card at a retail store to a loan you have received for a car. Anytime you get reported for delinquent money owed or nonpayment, this affects your credit score.

Your credit score and report are something lenders use to determine if they will lend you money, i.e., a mortgage. Credit reports contain the following information:

• Your name, even if you use shortened versions of it
• Current and previous addresses
• Social security number
• Birthday
• Phone numbers
• Type of credit accounts you have opened (mortgage, credit card, etc.)
• Account balance
• Account limit
• Payment history
• When the account was created

What Information Should TransWorld Solutions Provide if They Contact You About a Debt?

If you are relentlessly being contacted by TransWorld Systems, it's because one of your accounts has reported you to this third-party debt collector. It is important to dispute their claims right away. Otherwise, according to the Consumer Financial Protection Bureau, after 30 days the debt is considered valid.

Any debt collector should provide the following information:

• The amount of money owed
• The date of your last payment
• The creditor's name
• Your name
• That you have the right to dispute the debt within 30 days
• A written notice that includes all of the information if it is not provided to you during the initial contact

How to Clean Up a TransWorld Solutions Ding on Your Credit Report

Third party creditors have one thing in mind–to get paid. It's not uncommon for them to have inaccurate information and target the wrong individual for an incorrect amount of money. Here is how to start disputing the charges:

1. Draft a debt validation letter asking for proof of debts as well as confirmation from the original debt collector. During this time, TransWorld Systems must stop its collection attempt. In this letter, include:

• Personal identifying information
• Amount owed
• The name of the creditor
• Most importantly, that you are requesting not to be reported to credit reporting industries until the matter is resolved

2. Send via certified mail to the proper address of the agency that is calling. Each state could be different and hold different licenses.
3. Give it 30 days before you receive the validation.

If they do not verify it within those 30 days, you will have to contact them to make sure they put a stop to the collection attempt. You will also need to remember to check in with credit reporting agencies like Experian, Equifax, and TransUnion to ensure the ding does not appear.

Cleaning up your credit history is no easy task. Fortunately, DoNotPay can make this process easy for you.

How DoNotPay Can Make Cleaning up a TransWorld Systems Ding Way Easier

Here’s how to clean up your credit report using DoNotPay:

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.

    

What Else Can DoNotPay Do?

Aside from disputing incorrect credit dings from TransWorld Systems Inc., DoNotPay can help with so much more. Perhaps you have already paid off your debt. DoNotPay can also help with filing a Goodwill Removal Request. Or maybe you are unable to pay the entire amount. In that case, DoNotPay can file a pay-to-delete negotiation letter.

Find out all of the other ways DoNotPay can help you improve your credit score and avoid getting scammed by these pesky debt collectors.