ByHow to Remove Vance and Huffman LLC From Your Credit Report
Credit is something that people may work for years to get. Then, because of some oversight or financial issue, you get a bad mark on your credit report. How frustrating? Especially when the bad mark comes from a company like who you may not know.
Unfortunately, it happens often, and one bad mark can take years to erase from your credit report. Therefore, if you feel that Vance and Huffman are wrong about your debt, you need to face it head-on. For advice and recommendations on how to handle it, DoNotPay is here for you. We can help you remove late payments from credit reports, fix your credit score, and remove collections from a credit report.
Who Is Vance and Huffman LLC?
The company is a debt collection agency. This means that they may agree to go after you for delinquent accounts for other companies. Their claim is that they build relationships with clients and consumers to help them resolve their accounts. This sounds great, but unfortunately for you, it can also mean you must deal with a lot of phone calls from them. If you want to know more about them, check it here:
| Contact Us/Support | Contact Portal |
| Email and View Your Account Portal | |
| Phone Number | 855-206-6697 |
| For New York City Consumers | NYC Consumer Portal |
Can You Dispute Vance and Huffman Showing up on Your Credit Report?
If you feel that have no purpose for being on your credit report, you can dispute the charges. However, there isn't an easy way to do it. For the best overall results for you, you should look closely at your credit report to see if there are any errors.
Some common errors that may appear on your credit report are:
Identity Errors
This may include the wrong phone number, name, address, etc. However, it may also include incorrect accounts that you never created, as in the case of identity theft.
Balance Issues
Let's say you owe a bill to your internet provider and the amount is $300.00, but you look on your credit report, and it is reported as $301.00. This may seem like a small discrepancy, but as an error, it can be disputed.
Account Status Errors
These errors are something you should look for because they are not always easy to spot. They include:
- Closed Accounts Show as Open
- You Are being Listed as Primary Owner of an Account You Are Only Authorized to Use (this happens most often with credit cards)
- Accounts Showing as Delinquent When You Are Up-to-Date on Payments
- Incorrect Dates of Your Last Payment or the Date You Opened the Account
- Duplicate Entries for the Same Debt
If you notice any of these things, you will be more able to dispute charges that appear on your report through Vance and Huffman or any other debt collector.
How to Successfully Dispute Your Credit Report on Your Own
To settle a dispute on your own takes effort. You also have to decide how you want to handle it. Some options include:
Dispute Letters
The first step in disputing a credit report issue will begin with you writing a detailed dispute letter. You should send it to the main credit reporting company and the company that has reported your debt.
| Credit Bureaus | Phone Number | Mailing Address |
| Equifax | (866) 349-5191 | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348 |
| 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 |
- Your Account Number or Other Identifying Information About the Account
- The Source of Your Dispute (The Company You Feel Is an Error)
- The Date of the Discrepancy
- Details Regarding the Error and Why You Feel It Is Incorrect
- Wrong Name
- Wrong Account
- Already Paid Debt
- Identity Theft
- ETC
Before you mail your dispute letter, you should include a copy of your credit report with the error highlighted. The more detail you can include about your dispute, the more likely it will be that you will find success.
The Saturation Method
If this does not provide you with the expected results, of improving your credit score, you can also use the "Saturation Method." This method includes sending out a goodwill letter to anyone associated with the debt you owe asking that they remove the debt from your credit report. For the Saturation Method to be effective, you must send out bulk letters frequently, at least monthly, on varying days of the week to ensure you reach the most people with your letters.
Suing the Company That Wrongfully Messed up Your Credit
According to the Fair Consumer Reporting Act, you have the right to send demand letters to debt collectors for a variety of reasons. If they:
- Harass You
- Lie to You
- Tell Others About Your Debt
- Call You at Work After Being Asked Not To
- Call You After You Have Said You Have Representation
- If They Refuse to Show Proof of Your Debt
- And More
Debt collectors have no right to be nasty toward you regarding a debt, whether it is real or inaccurate. If they try to, you can send demand letters to them in a small claims court, which can also be done through DoNotPay. Dealing with debt and errors is not a simple process. Often, people need help to get things cleared up so that inquiries and other issues do not lower your credit report numbers.
DoNotPay Can Step in to Help You Deal With Vance and Huffman LLC
If you are unsure how to proceed with clearing your good name, DoNotPay can help. We help people every day take control of their credit score, and we can do the same for you.
All you have to do is complete three easy steps and DoNotPay will take care of the rest. Simply:
- 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!
The entire process is simplified and stress-free for you!
What Else Can DoNotPay Do?
DoNotPay is a lawyer group that can tackle situations with any company, group, or entity, including and all other debt collection agencies. They do not stop there, though. Virtually any issue that you are having, DoNotPay can make it easier, faster, and handled quickly, so that you can get back to simply enjoying your life. A few examples of what they can do include:
- Cancel Unwanted Subscription Services
- Help You Pay Bills That You Cannot Afford Right Now
- Or Provide You with Financial Aid Appeal Letters
If you need help, contact DoNotPay 24/7. They are always available and offer many services that you may find helpful.