Why Is CACH LLC On My Credit Report? Simple Steps to Remove It

Written by Justin EstesUpdated: 31st Mar 2022
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If CACH LLC is on your credit report, don’t freak out. While it’s not good, with the right steps, you can remove it.

Check out my guide on how to remove CACH LLC from your credit report to help yourcredit score increase again.

What is CACH LLC?

CACH LLC is a debt collection agency. If you defaulted on a debt (aka your creditor charged it off), CACH may have bought it.

They buy ‘old debts’ for pennies on the dollar and try to collect the full amount from you. CACH is located in South Carolina and has been in business since 2005.

Is CACH LLC a Legitimate Company?

Yes, CACH may not be a company you want to deal with, but they are legit. Despite being a collection agency and not being very popular with its clients, they have an A+ rating with the Better Business Bureau.

Like any collection on your credit report, though, you should ALWAYS determine its legitimacy and/or try to have it removed from your credit report. Here’s how.

How to Remove CACH LLC from Your Credit Report (4 Simple Ways)

1. Hire a Credit Repair Company

If you don’t want to deal with the headaches of disputes, writing letters back and forth, and dealing with harassing phone calls hire a credit repair company. Most of them charge a monthly fee, but it’s money well spent if they get CACH removed from your credit report.

Like any method, there’s no guarantee they can remove CACH from your credit report, but they’ll have more methods up their sleeves than you do.

While you can write the same letters, they know what to say and how to say it. They also know what to look for – the small details you may overlook or not know about.

If you’ve tried the other methods and they don’t work, consider a credit repair company or jump right to it if you want faster results. We recommend Credit Saint.

They are one of the best credit repair companies in the United States. They have helped thousands of Americans clean up their credit report.

2. Debt Validation letter

You have to act fast for this one. The Fair Debt Collections Practice Act (FDCPA) gives you 30 days from the first date of contact to validate the debt.

Do this in writing. In your debt validation letter request as much detail as possible about the debt. Chances are CACH won’t be able to validate it because they don’t have much else besides the account number and original creditor.

CACH must provide you with legitimate proof of the debt. If they can’t, they must delete it. And if they can, go through the documents carefully and look for any incorrect information that you can dispute.

If you find a reason to dispute, write a letter to the credit bureau reporting it, and state the issue. Include as much proof as possible of the error. They have 30 days to respond to your dispute. If they validate your dispute, they’ll remove the debt from your credit report.

3. Ask for Goodwill Deletion

This works for clients with solid payment history. If you defaulted on your debt for a one-off reason, like you lost your job temporarily or were furloughed, you may get a goodwill deletion.

To make this work, you have to get current on the debt. Pay the full amount and provide proof of this. Make your letter as polite as possible and lay it on thick. Tell them the story of what happened (pandemic stories are common today).

You may get lucky, and the creditor and collection agency may delete the collection from your credit report.

Remember they are under no obligation to do so, make sure you provide ALL information and write your letter as professionally and politely as possible.

4. Negotiate a Pay for Delete Agreement

This is the most common request collection agencies receive – removing the collection in exchange for payment. How much you have to pay is up in the air.

I suggest never paying the full amount. Remember, they bought this debt for pennies on the dollar. While it’s understandable that they need to make money, you don’t have to fully line their pockets.

If you negotiate a pay for delete agreement, do it in writing only. DO NOT agree verbally. Nothing is holding them to the agreement, and they’ll likely not follow through.

Don’t assume you have to pay what they say either. Don’t be afraid to negotiate. Always follow up too. Once you pay, give it about 30 days and pull your credit report. Make sure they removed the collection.

If they didn’t, follow up. If they still don’t, dispute it with the credit bureau and provide the written proof of the agreement.

Dealing with CACH LLC 

I know it’s frustrating to deal with debt collectors. It can feel like they are harassing you or you may easily get overwhelmed.

The key is to stay calm and have patience. Nothing will get resolved right away, but with the steps above and plenty of ‘niceties’, you’ll get the account removed from your credit report one way or the other.

Frequently Asked Questions

What Consumer Rights Protect Me from CACH LLC?

The Fair Credit Reporting Act and Fair Debt Collection Practices Act protect you from unfair or inaccurate reporting. These acts are the reason you can request validation and dispute collections on your credit report. If you think any information is unfair or not accurate, dispute it. If you’re too overwhelmed, hire a credit repair agency to do it for you.

Can CACH LLC Sue Me?

While they can sue you, they probably won’t. It’s not worth taking a chance, though. Figure out a way to remove CACH LLC from your credit report using one of the above options.

Don’t give up either. If you don’t win the first time, keep trying. A judgment is even worse than a collection on your credit score and credit history. Avoid it at all costs.

CACH LLC Complaints: What Are Consumers Saying?

The CACH LLC complaints are similar to the complaints about all collection agencies. No one likes having a collection on their credit report, so they’ll find reasons to complain.

The most common complaints refer to CACH ignoring validation requests.

Other complaints refer to CACH LLC selling the account after they agreed to a payment arrangement, which makes the pay for delete agreement null and void.

Can You Remove CACH LLC Collections Account from Your Credit Report?

It takes hard work, but you may be able to remove CACH LLC from your credit report. Don’t give up. Even if you meet with resistance or they ignore you, keep trying.

If it doesn’t work out doing it yourself, hire a credit repair company to do the work for you.

Bottom Line: How to Remove CACH LLC from Your Credit Report

The best way to remove CACH LLC from your credit report is never to have them on it. But life happens, we’ve all been there. Gather your proof, figure out your strategy, and stay the course. Eventually, your efforts will pay off.

Justin Estes
Justin Estes

Justin Estes is a Senior Personal Finance Writer who is a recognized small business accountant, consultant, and credit card expert. His background in accounting and finance led to a passion for helping people make the most of their money and matching them with financial products that enhance their lifestyle. Justin attended Charleston Southern University where he double-majored in Finance and Accounting. Justin’s areas of expertise are credit cards, small business finance, accounting, and taxes.