If you have started hearing from a company called Convergent Outsourcing, it means that you are being pursued for a debt.
Besides being annoying and aggressive, debt collectors like Convergent Outsourcing can have a major impact on your credit score.
This is because they must open a collection account on your credit report before they can begin pursuing you for payment.
Collection accounts on your credit report can influence your credit score for up to seven years, even if you pay off the debt.
This means that future lenders can see that you had a debt that went to collections, and they can make loan decisions accordingly.
The best way to prevent your old debts from affecting your future finances is to remove the collection entry altogether.
Check out our in-depth article to learn more about Convergent Outsourcing and how to get rid of their presence on your credit report for good.
What is Convergent Outsourcing?
Convergent Outsourcing is a debt collector that was founded in 1950 and is currently headquartered in Renton, WA.
With over 1,200 employees, they are one of the largest debt collectors in the country.
They collect on behalf of a variety of industries such as health care, telecommunications, financial institutions, government agencies, utility providers, and many more.
Convergent Outsourcing, like most debt collectors, have a strained relationship with their customers. They have received many complaints against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The majority of the complaints lodged against them are in regard to failure to respond to debt validation requests and inaccurate reporting.
How to Remove Convergent Outsourcing from Your Credit Report
Removing a collection account from your credit report isn’t always easy, but it is possible if you take the proper steps.
Here are the necessary steps to remove Convergent Outsourcing from your credit report:
Know Your Rights
Debt collectors make their money by coercing payments out of you in any way that they can. This often means through constant phone calls, profane language, threats of lawsuits, and other forms of harassment.
After all, you are more likely to pay if you are desperate to get rid of them. Most people that are contacted by a debt collector don’t realize that there is federal legislation that protects them from abuse like this. This legislation is called the Fair Debt Collection Practices Act.
The Fair Debt Collection Practices Act, or FDCPA, is a piece of federal legislation that prevents debt collectors from harassing customers into paying them.
The law protects you against specific forms of harassment such as:
- Calling before 8 a.m. or after 9 p.m.
- Using profane or abusive language
- Calling you after you have told them to stop
- Misrepresenting themselves or information about the debt
- Reporting false information about the debt
- Contacting you at work or at a time you have told them is inconvenient
- Contacting friends, family, or coworkers regarding your debt
- Calling after you have requested contact through U.S. Mail
While Convergent Outsourcing claims to train their representatives about proper FDCPA compliance, it is entirely possible that a representative may commit an infraction.
That is why it is important to understand your rights no matter who you are dealing with.
You can prevent Convergent Outsourcing from walking all over you by familiarizing yourself with your rights under the FDCPA.
By arming yourself with this knowledge, you can enter talks with them or another debt collector with certainty and confidence.
Request a Goodwill Deletion
If you have already paid the debt, there is still a chance you can have the collection deleted from your credit report.
You can ask Convergent Outsourcing for a goodwill deletion on the grounds that the debt is paid, and you are in current good standing with the original creditor.
A goodwill deletion is when the debt collector, in this case, Convergent Outsourcing, agrees to stop reporting the debt out of goodwill.
They are typically only willing to do this if the debt has already been paid, and you haven’t had any late payments since then.
If this describes your current situation, you may have luck asking Convergent Outsourcing for a goodwill deletion.
To request a goodwill deletion, start by writing Convergent Outsourcing a letter explaining the reason for your late payment and why you would like the entry removed.
This can be anything from a new baby on the way to wanting to apply for a mortgage. Whatever the reason, make sure that you are sincere and friendly in your letter.
If you try to demand a deletion with indignation, Convergent Outsourcing is likely not going to accept your request.
Validate the Debt
If you are unable to secure a goodwill deletion, the next step is to request debt validation from Convergent Outsourcing.
This can identify if there is any inaccurate reporting on your debt, and you may be able to get the entry deleted that way.
The debt collection process is not perfect. When the debt is transferred from the original creditor to the debt collector, information can get lost or misconstrued in the process.
This means that Convergent Outsourcing may have incorrect information about your debt. In some cases, the debt may not even belong to you to begin with.
That is why it is important to request debt verification as soon as possible.
Under the FDCPA, you have the right to request that Convergent Outsourcing verify the information on the debt. You can do this by writing a debt validation letter.
This is a letter that asks Convergent Outsourcing to confirm certain information about the debt, such as the amount owed, the current creditor, and the original date of debt acquisition.
I have a debt validation letter template to help you get started on a letter of your own.
Once Convergent Outsourcing returns with this information, be sure to review it carefully and note any inaccuracies.
If you find information that doesn’t add up to what you have, you can file a dispute with the three major credit bureaus.
If they agree that the entry is inaccurate, they will remove the entry from your credit report.
Make a Pay-For-Delete Agreement
If you are unable to get the debt entry removed due to inaccuracies, your next step is to negotiate a pay for delete settlement with Convergent Outsourcing.
A pay-for-delete settlement is exactly what it sounds like; you pay Convergent Outsourcing for the debt in exchange for deletion on your credit report.
These types of agreements are rare, but some debt collectors are willing to grant you them if they are desperate for your payment.
Start by offering to pay Convergent Outsourcing half of the total amount owed and negotiate from there.
Once you reach an agreement with them, make sure that you get the terms sent to you in writing.
Make your first payment to Convergent Outsourcing only after you receive the written terms from them regarding your agreement.
After you make your first payment on the debt, wait 30 days, and check your credit report.
You should find that Convergent Outsourcing’s entry is no longer there, in which case you continue to make payments until the debt is paid.
If you still see Convergent Outsourcing listed on your credit report, reach out to them, and remind them of their agreement.
Let them know that you will not be making another payment until their entry is removed from your report.
Dealing with Convergent Outsourcing
Convergent Outsourcing is a tough egg to crack. You may find that even after following all of the above steps, they still will not budge when it comes to the collection entry on your credit report.
If this is the case, your best bet is to contact a professional credit repair company to see if they can remove the entry themselves.
Credit repair companies remove negative marks from credit reports by communicating with the debt collector on your behalf.
They often have more success because of their industry knowledge and negotiating tactics.
There are many credit repair companies out there, but I recommend working with Sky Blue.
They have had tremendous success with Convergent Outsourcing over the years, and they can negotiate a settlement that will improve your credit in the long run.
Improving your credit takes time, but it is certainly worth it.
For tips on how to improve your credit and reach your financial goals, be sure to check out some of our popular articles for more information.