How to remove IQ Data International from your credit file

When you forget to pay an invoice, it can be recovered. Once a debt collection agency becomes involved, you may begin to receive phone calls from a debt collection agent, such as IQ Data International, harassing you to repay the debt. This happens when they open a collection account on your credit report, notifying credit reporting agencies of your default.

Collection accounts on your credit report hurt your credit score. Even after you pay the debt, collection accounts can remain on your credit report as paid, but negatively impact your score for up to seven years. The best way to deal with a collection report is to have it removed by the collection agent.

What is IQ Data International?

IQ Data International, Inc is a mid-sized third party debt collector located in the United States. Founded in 2003, it is currently headquartered in Bothell, Washington after relocating from Everett, Washington. Like most debt collectors, they are known to be aggressive and rude to their clients.

IQ Data International primarily works with property management companies to collect unpaid apartment complex rents and utility and credit card debts. You might hear from them if you are in debt on rent or any other property management charges.

IQ Data International also operates as Rent Collect Global. If you hear of this company or see a similar name on your credit report, you’ll know you’re dealing with IQ Data International.

Steps to remove IQ Data International from your credit file

Dealing with a debt collector isn’t pleasant, but there are a few basic steps that can guarantee you won’t be taken advantage of. You can use the following tips to help you deal with IQ Data International and have their entry removed from your credit file:

  • Know your rights
  • Request written communication
  • Check Debt
  • Negotiate a pay-for-delete
  • Hire a professional
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Know your rights

Debt collectors constantly take advantage of customers and assume they are unaware of their rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA is a federal law that prevents abuse by debt collectors. This law prohibits specific practices, such as:

  • be verbally abusive
  • contact your family or friends
  • lie about his identity
  • misrepresentation about your debt

Most people are unaware of their rights under the FDCPA, and debt collectors take advantage of them. By understanding your rights under this law, you arm yourself with powerful information that can help you in your fight to remove collection accounts from your credit report.

Request written communication

One of the most important steps to take when dealing with a debt collector is to request that all communications be through US Mail. The FDCPA allows you to ask IQ Data International to contact you only in writing and not by telephone. This helps prevent constant harassment and also holds them accountable for keeping agreements.

By ensuring that IQ Data International only contacts you in writing, you take control of the situation. Be sure to keep a record of all your communications with them as you never know when you will need to provide proof to them or the Consumer Financial Protection Bureau (CFPB).

Check Debt

Collection agents sometimes make mistakes. It is not uncommon for information to get lost or get mixed up when passing from an original creditor to a debt collector. This is why it is important to verify that the debt belongs to you immediately and before making any payment. Start by writing a Debt Validation Letter within 30 days of first contact from IQ Data International.

Ask them to verify the name, dates of account activity, total debt, and any other information associated with the debt. The date of the debt is important because of the statute of limitations regarding the repayment of the debt. Each state has a maximum amount of time that a collector can legally pursue a debt. If they fail to pursue the debt within that time, you are not obligated to repay the debt.

When writing a debt validation letter, be sure to ask for a receipt that shows proof of receipt. This will give you physical proof if they ignore your verification request, and you can prove that they received it.

Negotiate a payment-for-deletion agreement

Unfortunately, paying the debt will only change the status of the collection entry and will not remove the collection account from your credit report. You must negotiate a payment-for-deletion agreement to remove the entry from your credit file.

Many people don’t realize that debt collectors are often willing to settle for less than the full amount. Negotiate with IQ Data International to refund only a fraction of the total balance. In exchange, they must agree to remove collection accounts with the three major credit bureaus. Be sure to get this agreement in writing before making your first payment. After submitting the first payment, wait 30 days and then check with the credit bureaus. If they still have the collection accounts listed on your report, contact IQ Data International and remind them of the agreement.

Hire a professional

If you don’t want to deal with the problem yourself, you can always hire a professional credit repair agency. These companies and law firms have qualified personnel to deal with collection agents and collection accounts. They can help you remove damaging entries from your credit report and get your score back on track. However, be sure to do your research before using them. Some companies are legit, but others are total scams.

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Does IQ Data International have any complaints against them?

Unfortunately yes. It is quite common for debt collectors to have complaints against them due to the unpleasant nature of the business. It’s easy to Google the company and find the most common complaints and questions.

IQ Data International currently has 220 complaints filed with the CFPB and approximately 256 complaints with the Better Business Bureau (BBB). Most complaints relate to misrepresentation of debt information, harassment, and failure to respond to debt verification requests.

Experiments like this can entitle you to a payout of $1,000 for each violation. Keep records of your interactions with IQ Data International and note when they treat you disrespectfully or misrepresent your debt information.

IQ Data International contact details

You can contact IQ Data International at:

  • Address: PO Box 340, Bothell, Washington 98041
  • ​Phone number: 888-248-2509
  • Fax number: 425-609-2103

Doing business with IQ Data International

No one wants to go through the process of dealing with collection accounts, but it can help you in the long run. Taking care of the issue early will prevent major damage to your credit report.

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