How To Remove Data X, Ltd From Your Credit Report

A recent client of ours came to us with a request to clear up some confusion on his credit report. He told us that his credit report contained a collection from Data X, Ltd. It was listed with a negative score on the credit report and he was wondering what it referred to. While the client knew the address associated with this collection, he admitted that he had no idea why a business would be inquiring about him. Today, we will show you why Data X is on your credit & how to remove it.

Who is Data X, Ltd?

You’ve probably never heard of Data X, but it’s likely they have heard of you. Data X is a third-party consumer reporting agency that specializes in providing credit reporting information to lenders in the subprime also known as non-prime market. As such, they are often referred to as, "collection agencies" or "consumer reporting agencies".

If you've received mail from this company—which can include a notice stating your account has been sold to them—you may be wondering how to get rid of them once and for all. And if so, it's important that you understand who exactly Data X is and what their presence on your credit report means for your personal finances.

How did Data X, Ltd end up on my credit report?

Data X is a consumer reporting agency like thousands of others. A consumer reporting agency is an organization that collects and provides information about the credit worthiness of consumers to creditors who use this information when making decisions on whether or not to extend credit.

Consumer reporting agencies collect information from a variety of sources, including lenders, landlords, employers and public records. This information is used to create a credit report for each consumer. If you don't want to remove the collection by yourself, then you should use a credit repair company! New Beginnings Credit Solutions is the #1 credit restoration company in Wisconsin and have helped thousands like you!

How can you remove Data X, Ltd from your credit report?

Data X collections can hurt your credit score and remain on your credit reports for up to seven years regardless of whether you pay it or not. Even if you pay off the collection, it could actually lower your score! The best way to remove it is by hiring a credit repair company. If you know what you're doing though, you can dispute the collection using consumer laws. However, most clients choose the easy route, as they don't have to spend years learning consumer laws.

Data X, Ltd Contact Information

• Address: 325 E. Warm Springs Road, Suite 202

• City: Las Vegas

• State: Nevada

• Zip Code: 89119

• Phone: 800-295-4790

• Website: datax.com

Should I Contact or Pay Data X, Ltd

Once you've gotten the “bad news” from Data X, it's time to make some decisions. Should you pay or not? What if you can't afford to pay? And what happens if you don't pay?

In fact, nothing good can ever come from speaking to a collection agency on the phone. Paying off your collection is even worse, as it could lower your credit score! The best way to get it off your report without waiting 7 years, is to hire a professional credit restoration service. New Beginnings is a highly rated credit restoration service in Wisconsin and have helped thousands like you!

Is Data X, Ltd harassing you with constant phone calls?

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. § 1692 et seq.) which became effective on March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. These rules include but are not limited to:

• Calling you before 8 in the morning or after 9 at night in your time zone
  

• Call you repeatedly anywhere you are in the world
  

• Contact you directly if you are represented by an attorney
  

• Threaten and/or verbally harass you
  

• When a consumer refuses in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that:

  • the collection effort is being stopped

  • Certain specified remedies ordinarily invoked may be pursued or, if appropriate, that a specific remedy will be pursued

  • Mailed notices from the consumer are official when they are received by the debt collector

Remove your Data X, Ltd collection from your credit report today!

It can be stressful to receive a collection notice in the mail, but it’s important to know that you have rights as a consumer. If you receive a notice from Data X or any other collector – whether by phone or mail – make sure you understand what they are trying to collect and what action you can take. If you are not confident that you can do all this by yourself, you can always go the easy route & hire a credit repair company such as New Beginnings. They are a highly rated credit repair company in Wisconsin and have helped thousands like you get their credit back in shape! - Start Now