How to Remove Convergent Outsourcing Inc from Credit Report

amy beardsley

By Amy Beardsley

Last updated 4/30/2020

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Summary: Getting Convergent Outsourcing Inc off your credit report is easier than you think. Here’s what you need to know to make the calls stop and improve your credit score.

Are you getting calls from Convergent Outsourcing, Inc.? Or maybe they just popped up on your credit report without warning.

Either way, you’re probably asking yourself:

Who is Convergent Outsourcing?

Well, it’s a collections agency.

And anytime a collections account shows up on your credit report, your credit score takes a big hit.

So what should you do?

Well, first, take a deep breath.

You’re not alone. 

Ready to take back your credit score? Let’s go!
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The Federal Reserve Bank of New York reported $669 billion of delinquent debt in the US at the end of 2019. 

But that’s not all.

Over 60% of that debt is considered seriously delinquent.

There is hope.

You can get this company off your credit report and out of your life.

And we’re going to show you how.

convergent outsourcing, inc.

Who is Convergent Outsourcing Inc

Convergent Outsourcing, Inc., or C. O., is a third-party debt collector.

The company buys past-due accounts from other companies and tries to collect the outstanding balance.

Do you know what that means?

You never did business with Convergent Outsourcing Inc, which is why you don’t recognize the name on your credit report or caller I.D.

But if 800-444-8485 is showing up on your phone, it’s Convergent collection agency.

I can hear you now:

Why is Convergent Outsourcing calling me?

The answer is simple: To get money from you.

Negative items on your credit file?  Our 609 credit dispute letters may be able to help get them removed.

Calls usually start when you make a late payment or forget to pay a bill.

The first issue to tackle is getting the calls to stop. Then you’ll take care of your credit report.

How To Stop Calls from Convergent Outsourcing, Inc.

Now that you know Convergent Outsourcing, Inc. is a legitimate company, it’s time to take action.

Here’s why:

Convergent is an aggressive collection agency.

Luckily, there’s a simple solution. 

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According to the Federal Trade Commission, “if you ask them in writing to stop calling, they have to stop.”

Sounds too easy, right?

It works if you take these exact steps:

  1. Write a letter that tells the company to stop contacting you.

  2. Keep a copy of the letter for your records.

  3. Mail the letter to 800 SW 39th Street, Suite 100, Renton, WA 98057. 

  4. Convergent won’t be able to contact you again except to confirm there will be no further contact or if the company takes legal action against you.

Pro tip: Send the letter by certified mail with “return receipt requested” so you have proof the company received it.

Did you know?

48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

3 Steps to Get Convergent Outsourcing, Inc. Off Your Credit Report Fast

Even if the calls stop, the debt is still there. And a collections account isn’t something you want on your credit report.

You want to remove it fast so your credit score can go up.

Here are three proven steps to make it happen.

1. Make Convergent Outsourcing Prove the Debt is Yours

If you’re up against a debt collector, know that the law is on your side.

That’s right.

You can use the Fair Debt Collection Practices Act (FDCPA) against collections agencies!

How is this possible?

Because the FDCPA gives you the right to ask for proof of the debt.

It’s called a Section 609 Letter because it comes directly from Section 609(A)(1)(a) of the Federal Credit Reporting Act.

But you must act fast. You only have 30-days from the first contact to ask the company to validate the debt.

After that, Convergent Outsourcing Inc has five days to send you a validation notice in writing. The notice must include how much you owe and the name of the creditor.

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And here’s where the magic happens.

Once you dispute the debt with a validation letter, Convergent Outsourcing, Inc. isn’t allowed to list it on your credit report.

Pro tip: Use our free Section 609 Letter template!

2. Get Convergent Collections to Hit the Delete Button

Did you know collection agencies aren’t required to report to the credit bureaus?

That means you could negotiate to remove the debt from your credit report. 

But wait… 

There’s a catch.

It’s unlikely the company will remove the stain out of the goodness of their heart.

convergent outsourcing, inc.

Collections agencies don’t work that way.

After you go through the debt validation process and Convergent proves the debt belongs to you, the company might be willing to make a deal.

It’s called Pay for Deletion

Basically, you’re asking the company to settle your debt for less than you owe. 

If the company agrees, Convergent Outsourcing Collections could remove the record from your credit history if you pay a certain amount of money.

3. Call for Backup

This last step is optional.

But it might be your only option.

If Convergent won’t work with you or you keep hitting a dead-end, leave it to the experts.

I know what you’re thinking.

Asking for help can be uncomfortable.

Don’t feel embarrassed. 

Asking for help is part of life.

Plus, Convergent collection agency can be ruthless!

And you don’t need that kind of negativity in your life.

To fast-track getting Convergent Outsourcing, Inc. off your credit report, reach out to our #1 recommended credit repair company.

Or visit our review of the best credit repair companies of 2020

Your Next Step

If Convergent is contacting you by phone or through the mail, you can get them to stop.

Don’t let Convergent Outsourcing Inc. rule your life. 

Send a debt validation letter or jump straight to the credit experts for help.

The important thing is to put yourself back in the driver’s seat. When you take steps to remove the company from your credit report, you’ll breathe easier.

*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score.  Source.

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