How To Remove LCA Collections From Your Credit Report
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Has LCA Collections recently appeared on your credit report?
LCA Collections is a debt collection agency that specializes in medical debt.
If you forgot to pay a bill from a doctor’s visit or a trip to the hospital, it could damage your credit score for several years.
While you might think that going online to pay LCA the amount you owe is the best strategy, doing so could hurt your score more than help it.
Instead, you should use the tips below to get the collections entry deleted from your credit report and put an end to their correspondence.
What Is LCA Collections?
If you’ve never dealt with LCA Collections, seeing the name on your credit report may leave you skeptical.
While you might not be familiar with the name, you can trust that LCA is a legitimate business.
Headquartered in Savannah, Georgia, Lanier Collection Agency and Services has been in business since 1955.
LCA primarily collects on debts in the medical industry, offering two services to providers: accounts receivable and full collections.
3 Ways to Remove LCA Collections from Your Credit Report
LCA Collections doesn’t have to stay on your credit report for long. With one of the approaches below, you can get your debt out of collections and improve your credit score fast.
- Ask LCA for validation
- Ask for a pay-for-delete agreement
- Ask for help from a credit repair company
1. Ask LCA Collections to Validate Your Debt
Thanks to the FDCPA, collections agencies owe you proof of any debt they seek to collect, so your first step is to seek to validate their claim.
All you need to do is submit a debt validation letter to LCA Collections within a month of being contacted by the agency.
Even if you do owe LCA Collections money, it’s always advisable to request debt validation. In some cases, the agency may not have the documentation it needs.
In that case, they will remove you from their call list and update the credit bureaus on the situation, which will erase the collection entry from your report.
You should see the changes reflected on your credit report promptly.
Just remember that you have a small window of time to dispute debts and request validation for them.
2. Ask for a Pay-for-delete Agreement
If you’re too late for debt validation or LCA has the documentation it needs to back up its claims, there’s still hope.
The next best strategy is to request a pay-for-delete agreement, where you pay the agency in exchange for their deletion from your credit report.
Keep in mind that simply paying off your debts will not result in the removal of the collections account from your report.
In order to get the entry removed, you must get LCA to agree to it. As always, you should communicate with the agency in writing to ensure they hold up their end of the bargain.
You should be able to get the company to agree to accept only a fraction of the amount you owe. For instance, you may be able to get a debt collector to agree to accept $50 to settle a $100 debt from a medical bill.
Once an agreement has been met and you make your payment, your credit report should be updated. Check back with the agency if it isn’t up to date in a month, reminding them of your agreement.
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3. Ask for Help from a Credit Repair Company
With one of the strategies above, you should have no trouble getting LCA Collections deleted from your credit report.
However, you don’t have to deal directly with the collections agency if you don’t want to.
If you’d rather leave improving your credit to the experts, you have access to numerous credit repair companies.
They can dispute claims, send debt validation letters, and keep debt collectors from harassing you.
They’re also adept at handling more complex credit issues, like bankruptcies, liens, and charge-offs.
No matter how simple or complicated your credit issues are, a credit repair company can take the stress out of improving your credit score.
Credit Saint is a great choice if you’re looking for professional help. They can get your credit problems resolved quickly and easily, at a reasonable cost.
Whatever method you choose, don’t put off dealing with LCA Collections another day.
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How Does LCA Collections Work?
When people fall behind on their payments, service providers and creditors turn to debt collectors.
These agencies either purchase debts from the initial servicer at a discount or they are hired to help collect, earning a fee when payments are made.
Once your debt has entered collections, LCA Collections can call and mail you letters until your account is resolved.
When this happens, a collections account will be entered on your credit report, lending to the payment history portion of your score.
This type of entry can lower your score drastically and remain there for as long as 7 years, even if you pay the agency.
However, getting a collections entry removed from your report is easier than you might think.
Dealing with LCA Collections
LCA Collections is the subject of several complaints from consumers, many of which have been filed with the Better Business Bureau and the Consumer Financial Protection Bureau.
Some popular complaints include:
- Deceptive debt collection methods
- Threatening and harassing debtors
- Inaccurate reporting to the credit bureaus
- Failure to respond to debt validation requests
In response to these issues, you should understand that you are protected by the Fair Debt Collection Practices Act.
It holds debt collectors accountable for the way they interact with consumers, making sure they don’t harass, threaten, or deceive them.
It also requires them to provide evidence for any debts they try to collect on.
The law lets you set the terms of your communication, too, allowing you to only interact with collections agencies by mail.
In addition to stopping the agency’s annoying calls, this method ensures that every interaction between you and the agency is documented, which can help to get the account removed from your credit report.
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