How To Remove Diversified Consultants from Your Credit Report

How To Remove Diversified Consultants from Your Credit Report

If you’ve recently received phone calls or a letter from Diversified Consultants, you may be wondering whether it’s a scam or a legitimate company that you should respond to.

Diversified Consultants is a bona fide debt collection service that is likely targeting you over an old bill that has not been paid.

Fortunately, there are a few surefire steps you can take in order to get Diversified Consultants removed from your credit report to stop their calls and improve your credit score.

What Is Diversified Consultants?

diversified consultantsDiversified Consultants is a third-party debt collection agency, or debt buyer, based in Jacksonville, Florida.

You might also hear Diversified Consultants referred to as DCI Collect.

Diversified Consultants is one of the largest debt collection agencies in the country, with over 1,000 employees and more than $60 million in revenue in 2019 alone.

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How Does Diversified Consultants Work?

When a company’s attempts at debt collection have failed, they will often charge off the debt, selling it to an agency like Diversified Consultants at a low cost.

The agency then pursues payment from the debtor, usually by way of persistent phone calls and messages.

The agency may call you from several phone numbers or send letters until you make arrangements to settle the debt.

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Who Does Diversified Consultants Collect For?

Diversified Consultants mainly collects for companies in the telecom industry. This most commonly includes cable, satellite, phone, internet, and utility accounts.

Some of the popular companies Diversified Consultants purchases debts from include:

  • Sprint
  • AT&T
  • Charter
  • T-Mobile
  • Dish Network

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How to Remove Diversified Consultants from Your Credit Report

Having debt assigned to you from Diversified Consultants doesn’t just lead to annoying phone calls.

It can also deal a major blow to your credit score, which can be detrimental to your future financial goals.

Thankfully, getting Diversified Consultants removed from your credit score can be as easy as following the three steps below.

  1. Demand Proof that the Debt Is Yours
  2. Negotiate At Least a Partial Payment
  3. Hire a Professional to Remove Diversified Consultants

1. Demand Proof that the Debt Is Yours

Thanks to the Fair Debt Collection Practices Act, you are within your rights to ask an agency like Diversified Consultants to validate their claim that you owe a debt.

And since Diversified Consultants isn’t the original creditor, there’s a good chance they won’t be able to track down adequate verification of your debt, even if it exists.

With a simple validation letter, you could get the debt removed completely from your credit report and put an end to Diversified Consultant’s barrage of calls and messages.

This strategy is most likely to succeed if you send the letter within 30 days of the agency reaching out to you.

If you wait longer than a month, you will probably have to move on to options two or three on the list.

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2. Negotiate a Payment to Get the Collection Removed from Your Report

If the agency finds a way to verify your debt, or you’re beyond the 30-day timeframe, your next best bet is to offer to make at least a partial payment.

Since Diversified Consultants bought your debt for pennies on the dollar to begin with, there’s a good chance they’ll be willing to negotiate with you.

I recommend starting your negotiations at around 50% of the total amount the agency is requesting.

Again, to ensure that your agreement is documented, you should complete this process via letters instead of over the phone.

After you submit a check for the amount agreed upon, you should give Diversified Consultants about 30 days to remove the collection from your credit report before following up with another letter.

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3. Hire a Professional to Help Remove Diversified Consultants from Your Credit Report

Going back and forth with a collection agency over the phone or by mail can be a tedious and anxiety-inducing task.

If you want to avoid the hassle of drafting letters and haggling over your debt altogether, you may want to leave it to the pros.

You can pay a company like Lexington Law Credit Repair to communicate with Diversified Consultants on your behalf.

These companies are expertly trained at getting collection agencies removed from your credit report.

Lexington Law can work quickly and efficiently on your behalf, unburdening you and improving your credit score in a flash.

Whether debt has fraudulently been assigned to you or a cable bill slipped through the cracks, and you’re looking to ensure it’s settled properly, Lexington Law is worth your consideration.

You can learn more about the company on its website.

Whatever method you choose to remove Diversified Consultants from your credit report, there’s no time like the present.

Put an end to the calls, boost your credit score, and get some peace of mind by working to remove Diversified Consultants from your report today.

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How to Deal with Diversified Consultants

Diversified Consultants has received hundreds of complaints via the Better Business Bureau and the Consumer Financial Protection Bureau; however, the agency is quick to resolve all of its BBB complaints.

The most common complaints waged against Diversified Consultants have to do with the company calling the wrong number, making calls outside of business hours, and failing to respond to disputes.

With that in mind, it’s important to educate yourself about the Fair Debt Collection Practices Act and to inform the agency that you know your rights.

That should stop the collection agency from harassing you over the phone. Along those lines, it’s always smartest to deal with Diversified Consultants via mail.

Not only does communicating with letters stop the agency from pestering you with calls, but it also provides well-documented proof of whatever the agency agrees to regarding your debt.

For instance, say an agency representative agrees to a payment of 60% to remove the debt from your report.

If that agreement is made over the phone, there’s no evidence of the agency’s consent, so they may not uphold their end of the bargain.

However, a letter could clearly outline the terms of the agreement and hold the agency and you accountable.

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About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

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