IQ Data International: Why Is It On My Credit Report?

Written by Kim PinnelliUpdated: 31st Mar 2022
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Let’s be honest. We all miss a payment here or there. It is part of life; however, it may end up in collections and a debt collector may purchase the debt. Debt collectors like IQ Data International survive and thrive off missed routine miss payments.

Speaking of which, is IQ Data International, Inc calling your phone or sending you letters? If so, then check yourcredit report immediately. They most likely opened a collections account, which is not good.

In fact, a collections account can remain on your credit report for up to 7-years, damaging your credit score along the way. You need to remove a collection account from your credit report immediately. Keep reading to find out how to remove IQ Data International from your credit report, protect your credit score, and deal with this debt collector.

What is IQ Data International?

Headquartered in Bothell, Washington, IQ Data International – also known as Rent Collect Global – is a prominent debt collector in the United States.

Since 2003, IQ Data International, Inc has been collecting debt for property management companies. They are 100% committed to this industry, so ask yourself this, “did I miss a rent payment?” If so, then this is how you most likely ended up on their radar.

Fortunately, we will provide you the resources and knowledge you need to remove IQ Data International from your credit report and get them off your back.

How to Remove IQ Data International from Your Credit Report

As a consumer, there are four strategies you can employ to end the annoying phone calls from IQ Data International, Inc and put an end to this nonsense. Here they are.

#1. Hire a Credit Repair Professional

The best thing you can do is hire a professional. The best credit repair companies know how to deal with IQ Data International and are experts at removing negative items from credit reports.

With years of experience and knowledge of your consumer rights, credit repair companies will take this matter into their own hands. They will review your credit report and will devise a plan to remove this collection account.

We recommend Credit Saint. They are hands down the best credit repair company and are transparent about what they can and cannot do. Above all, they are affordable and offer a robust 90-day refund policy.

>> More: Credit Saint Review

#2. Request Debt Validation

Even debt collectors make mistakes. The next you need to do is request debt validation. However, this strategy is time sensitive.

According to the Fair Debt Collection Practices Act (FDCPA), you only have 30-days after initial contact to request debt validation. To do this, write IQ Data International a debt validation letter.

In your letter, ask about the details pertaining to your debt and send it via certified mail. Request a return receipt. This will ensure IQ Data International receives the letter and reads it.

It is important to note that debt collectors have 30-days to respond to your debt validation request. If IQ Data International cannot provide supporting documentation and validate that the debt belongs to you, then they must contact all three credit bureaus and remove the collection entry from your credit report.

#3. Negotiate a Debt Settlement

If you are outside the 30-day window, you still have options. The next thing you can try to do is negotiate a settlement. This is also known as a pay-for-delete.

To do this, write a letter to IQ Data International, Inc stating that you are willing to payoff the debt, but in exchange, you want the collection account removed.

Most debt collectors buy your debt from private entities for pennies on the dollar. We recommend you start the negotiation by offering to pay 50% of the total debt. See what they say.

When you both come to an agreement, make sure it is documented and both parties sign a contract. This protects you and will bolster your case if you have to escalate it to the credit bureaus.

>> More: How to Remove Negative Items from Your Credit Report

#4. Consider Goodwill Deletion

The last strategy you can employ is to ask for a goodwill deletion; however, this strategy is rarely accepted. Here is why.

When you ask for goodwill deletion, you are essentially asking IQ Data International to do you a favor. You are asking them to remove the collection account from your credit report even though you have not made payment or paid late.

This is extra work for IQ Data International, Inc. But some consumers find success if they have a strong payment history and include a hardship in their goodwill letter.

Sometimes debt collectors are forgiving. So, if you experienced a hardship, such as a job layoff or family emergency, then include that in your goodwill letter. Make sure it is 100% true. They reserve the right to ask for further documentation to support your claim.

Keep your goodwill letter short and be polite. The last thing you want to do is to get into a heated argument with IQ Data International.

IQ Data International Consumer Complaints

Like all debt collectors, IQ Data International has numerous complaints filed against them. Currently, they have over 220+ complaints filed against them with the Consumer Financial Protection Bureau (CFPB), and another 250+ with the Better Business Bureau.

Most complaints refer to their inaccurate reporting and non-stop harassment. This is another reason why you should seriously consider hiring a credit repair company.

IQ Data International Contact Information:

  • Mailing Address: P.O. Box 340 Bothell, WA 98041
  • Phone Number: (888) 248-2509
  • Fax Number: (425) 609-2103

Know your rights. If you tell a debt collector to stop calling you, they have too. This is a consumer right protected under the FDCPA. Make sure all communication is done through the mail.

Frequently Asked Questions

How Does IQ Data International, Inc Work?

IQ Data International operates just like any other debt collector. They are either hired by a third-party to collect debt on their behalf, or they purchase your debt from a company or private entity for pennies on the dollar.

This is why they are constantly bombarding your phone and sending you letters. They want you to pay them money, so they can turn a profit. To them, it is business as usual, but to you, this is a massive headache that you cannot push off to a later date.

When dealing with any debt collector, the best thing to do is to hire the best credit repair company. They will deal handle the situation with speed, transparency, and efficiency.

Can IQ Data International Sue Me?

While this situation is unlikely, IQ Data International can sue you if they ‘own’ your debt. However, it depends on how much you owe and your states statute of limitations.

Each state varies, but if they statute of limitations has expired, then they cannot sue you or bring forth civil litigation.

However, this does not mean you are off the hook. You still have a collections account on your credit report that is bringing down your credit score.

>> More: How to Fix Your Credit

Is IQ Data International, Inc A Real Company?

Yes! IQ Data International has been in business for over 15-years. Additionally, they are certified through the Professional Practices Management System from the Association of Credit and Collection Professionals.

This debt collector does not mess around. Make sure you have a clear plan in place before you respond to any of their requests. Make sure all communication is done through the mail, not by phone.

Can You Remove IQ Data International Collection Accounts?

Yes, you can remove IQ Data International from your credit report. You can either hire a professional (which we recommend), request debt validation, negotiate a settlement, or ask for goodwill deletion.

Bottom Line: Removing IQ Data International From Credit Report

Removing IQ Data International from your credit report is not an impossible task, but it will take significant effort and time on your end unless you hire a credit repair company. The choice is yours but move quickly and protect your credit score.

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.