When you forget to pay a bill, it can come back to bite you. Having an unpaid debt on your credit report can hurt your credit score and lead to some irritating phone calls from debt collectors.
One of the debt collectors you may start to hear from is a company called Global Crossing Local Services.
They are annoying to deal with, and they can be the driving force behind your credit troubles.
Ignoring a debt collector is a bad idea. Paying them off without question also isn’t a good strategy.
So how do you deal with Global Crossing Local Services?
Luckily, there are some ways that you can prevent extensive damage to your credit score and get Global Crossing Local Services off your back for good.
Read more to learn about Global Crossing Local Services and how to deal with them once and for all.
About Global Crossing Local Services
Global Crossing Local Services is a legitimate debt collecting agency that was originally founded in Michigan in 1997.
They are medium-sized and are currently headquartered in Olympia, WA with operations in Phoenix, AZ.
You may be wondering how Global Crossing Local Services makes money. They make money by getting you and other debtors to make payments on your debt.
These efforts are either on behalf of your original creditor or because they have purchased the debt at a discount.
But why would you pay Global Crossing Local Services if you couldn’t pay the original creditor?
Debt collectors often get people to make payments through intimidation, verbal abuse, and even threats of legal action.
This is why having a debt collector on your trail is such an unpleasant experience.
How To Remove Global Crossing Local Services From Your Credit Report
Once a collection account is added to your credit report, your credit score will be impaired for seven years whether or not you pay the debt.
However, you can spare yourself major damage if you get Global Crossing Local Services to remove the collection entry entirely from your credit report.
Validate the Debt
One of the most important first steps when dealing with a debt collector is to verify that the debt belongs to you.
In other words, do not ignore them! Ignoring them will only make things harder for you in the long run.
Debt collectors are required by law to provide documentation that they are authorized to collect on a debt.
They don’t always have the proper documents, especially if the transition from the original creditor was swift.
This is where you can catch them on an error and get the entry removed.
What debt collectors won’t tell you is that state law sets a statute of limitations for most debt collections.
That means that a debt collector cannot pursue you for a debt outside of this statute, which in most states is seven years.
If you can prove that your debt is older than this, you can file a dispute with the major credit bureaus and get the entry removed.
Send Global Crossing Local Services a letter within 30 days of their first contact that formally asks them to validate the debt.
Be sure to request a return receipt so that you know when they receive your letter.
If they are unable to validate the debt, they must update the credit bureaus.
This will mean that the entry will be deleted from your account, Global Crossing Local Services will stop contacting you, and you may not have to pay the debt at all.
Dispute the Debt
If Global Crossing Local Services returns with documentation after you request debt validation, you can still file a dispute with the major credit bureaus.
This involves looking for any inaccuracies on your report and demanding that the item be deleted if you find one.
Debt collectors often receive inaccurate or false information from the original creditor when the debt is transferred.
After all, the creditor is desperate to get this debt off their back as well, so some information may get lost in the process.
If you can find that Global Crossing Local Services is reporting false information on your debt, you can take advantage of this and remove the entry.
Look through the details of the Global Crossing Local Services entry and compare them to what you have.
If you find that they have anything listed incorrectly, make note of it.
List each inaccuracy in a dispute letter to the credit bureaus who show Global Crossing Local Services on your report with an inaccuracy.
Request that they remove the entry from your credit report or correct it. The bureaus have 30 days from the date they receive your letter to respond.
Request a Goodwill Deletion
Getting a collection account removed from your credit report could be as simple as asking.
If you have already paid for the debt, you can request a goodwill deletion from Global Crossing Local Services.
This is essentially where you ask them to remove the entry out of goodwill.
Send Global Crossing Local Services a letter explaining the circumstances surrounding your debt to inspire some sympathy.
If they feel that this was a one-off incident, they may grant you a deletion and free you from the burden of a collection entry.
Negotiate a Settlement
More often than not, you will need to negotiate a settlement with a debt collector in order to get rid of the entry entirely.
This is known as a pay-for-delete agreement and is the most common type of settlement in debt collection cases.
Offer to pay a portion of the debt in exchange for deletion, and haggle with Global Crossing Local Services until they agree.
Make sure that Global Crossing Local Services sends you the agreement in writing before you make a payment on the debt.
You should notice that the entry disappears from your credit report 30 days after you make your payment.
If it is still there, reach out to Global Crossing Local Services and remind them that they need to uphold their end of the bargain.
Dealing with Global Crossing Local Services
Sometimes despite our best efforts, we are unable to get anywhere with debt collectors. That is where credit repair professionals can help.
Credit repair companies can take the hassle out of dealing with companies like Global Crossing Local Services.
They will communicate with them directly and work out a solution that will get the entry taken off your credit report for good.
It’s important that you work with the right company when you hire a credit repair professional.
Take a look at our comparisons of the best credit repair companies and pick the best fit for you.
Do you have any tips on dealing with Global Crossing Local Services? Share them in the comments below.
Global Crossing Local Services FAQs
Can Global Crossing Local Services Pursue Me?
If the debt belongs to you, Global Crossing Local Services can pursue you for payment. But why is that?
If you are unable to make payments on debt or miss a bill, it may be turned over to a debt collection agency.
Debt collectors are authorized to collect on the debt because they are either collecting on behalf of the creditor or legally acquire the debt at a discounted rate.
To prove that they are authorized to collect your debt, Global Crossing Local Services will open a collections account on your credit report.
Once that happens, they will harass you through phone calls, mail, and voicemails until you either pay up or come to an agreement with them.
In addition to incessant contact, Global Crossing Local Services may also try to file a lawsuit against you.
This is technically within their rights if they own the debt and you owe the debt.
Debt collectors file suits in the hopes that you don’t show up to court and the judge grants them a judgment in their favor.
This is highly shady, but it is technically legal.
Does Global Crossing Local Services Have Any Complaints?
Yes, Global Crossing Local Services has had complaints filed against them in the past.
They are currently sitting with two closed complaints with the Better Business Bureau and a D- rating.
Like many debt collectors, Global Crossing Local Services utilizes aggressive communication tactics to coerce you into making payments.
Essentially, they want you to feel as though you have no other choice but to pay them the balance of your debt.
Even if the debt belongs to you, Global Crossing Local Services doesn’t have the right to threaten or intimidate you.
You are protected under the Fair Debt Collection Practices Act (FDCPA) from certain collection tactics.
Be sure to familiarize yourself with your rights under the FDCPA before you communicate with Global Crossing Local Services or any other debt collector.