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A collections account can stay on your credit report for up to 7 years and damage your credit score for years to follow.
Whenever you see a collections account on your report, you need to do everything in your power to remove it immediately.
The quicker you can remove a collection account from your credit report, the better. It will mitigate the overall ‘damage’ it does on your credit score and overall credit health.
Today, we will show you how to remove Radius Global Solutions LLC from your credit report.
What is Radius Global Solutions LLC?
Radius Global Solutions is a full servicing debt collection agency headquartered in Edina, Minnesota. As they tout, they are a leading provider of account recovery and debt collections.
Founded in 1982, Radius Global Solutions has morphed into a multimillion-dollar business operation that spans coast-to-coast here in the United States.
Here are the solutions Radius Global Solutions offers its clients:
- Business Process Outsourcing
- Healthcare Revenue Cycle Management
- Early Stage Delinquency Management
- Account Recovery Services
- Contact Center Services
While this all sounds impressive and fancy, Radius Global Solutions LLC is primarily a debt collector. This means they collect debt on behalf of their clients (large corporations and businesses).
So, if you are getting a call from Radius Global Solutions, it probably means you owe them money.
Is Radius Global Solutions Legit?
With over 3,700+ employees and 14 offices, Radius Global Solutions LLC is a legit company. They are becoming a dominant player in the debt collection industry, and are known to implement aggressive tactics to get consumers to pay their debt.
Whether it is repetitive phone calls, bringing forth a lawsuit, or mailing you letters, they will do everything they can to get your money. Unfortunately, it is within their legal right to do this since they “own” your debt.
So, bear with us. We will show you exactly what to do if you encounter Radius Global Solutions LLC on your credit report.
How to Remove Radius Global Solutions LLC from Your Credit Report
Follow our step-by-step guide to remove Radius Global Solutions LLC from your credit report.
1. Seek Help from a Credit Repair Company
For years, credit repair companies have successfully removed thousands of negative items from their customer’s credit reports.
They know the ins-and-outs of the credit industry and know how to leverage the Fair Credit Debt Collection Practices Act (FDCPA) and Fair Credit Report Act (FCRA) to remove a collection account from your credit report.
A credit repair company we recommend is Credit Saint. On top of removing negative items and cleaning up your credit report, they provide expert level credit consultation, so you do not make the same mistake again.
>> More: Credit Saint Review
2. Validate the Debt
If Radius Global Solutions LLC is calling you or sending you letters, the first thing you need to do is validate the debt. However, this is time-sensitive.
According to the Fair Debt Collection Practices Act (FDCPA), you only have 30-days after they first contact you to request debt validation. To request debt validation, send them a debt validation letter via certified mail.
Sending your letter via certified mail ensures they receive the message and you will get a return receipt. This also provides you protection and will bolster your case if you must escalate it further to the three credit bureaus (Equifax, TransUnion, or Experian) or to a magistrate.
If Radius Global Solutions LLC can verify your debt and provide supporting documentation, then you owe them the money.
Furthermore, if this is the case, then I strongly urge you to work with a credit repair company to remove the negative item.
But if Radius Global Solutions cannot validate the debt, then they are required to cease all debt collecting efforts and remove the collection account from your credit report.
3. Negotiate a Pay-for-Delete
Unfortunately, if you are outside the 30-day window then validating your debt is not a viable option. But you still have options to remove Radius Global Solutions from your credit report.
The next best thing is to negotiate a pay-for-delete. What this means is that you will pay your debt, if and only if, Radius Global Solutions LLC removes the collection account from your credit report.
Often, a debt collector is willing to accept a lesser amount than what you owe. Why? They probably bought your debt from another company for pennies on the dollar.
So, if you pay them anything more than what they bought your debt for, then they turn a quick profit. Making money is all that they care about.
Like a debt validation letter, make sure all negotiations are done via certified mail. Once both parties agree on a settlement, sign a contract. Again, this protects you in case you need to escalate it further.
If a few weeks have passed and the collection account is not removed from your credit report, then send Radius Global Solutions LLC a letter that they need to hold up their end of the contract and remove the negative item.
Do not drop the ball. After all, this is your credit score, and a negative item can seriously damage your overall credit.
4. Goodwill Deletion
The next option is to request a goodwill deletion, which is usually a rare occasion. However, some people still find success with it.
Requesting a goodwill deletion works best for people who already paid the debt. Write to them stating you already paid the debt and would like them to remove the collection account from your credit report.
Whether or not Radius Global Solutions removes the collection account is entirely up to them. But a little bit of money in their pocket sometimes does the trick.
Remember, Radius Global Solutions LLC is doing you a favor, so in your letter, be polite, apologetic, and concise. Some people will also include a hardship they endured.
But only do this if it is factual and you can provide supporting documentation. Common hardships can include an unexpected family emergency or a job layoff.
Radius Global Solutions Consumer Complaints
Even to this day, consumers continue to complain about Radius Global Solutions. To date, they have over 1,000 complaints filed against them with the Consumer Financial Protection Bureau (CFPB), and another 100+ filed with the Better Business Bureau (BBB).
Consumers complain about inaccurate reporting, poor communication, and failure to honor debt validation requests.
If you have had a bad experience with Radius Global Solutions LLC, file a complaint with the CFPB. Click Here to file a complaint today.
How to Deal with Radius Global Solutions
Dealing with a debt collector is a pain. The best thing you can do is to tell them to stop calling you. This right is afforded to you under the FDCPA. Next, request that all future correspondence is done through the mail.
If you negotiate a settlement, submit a debt validation letter, or request a goodwill deletion, make sure this is done via certified mail.
You want to leave a “paper trail” in case you need to escalate your situation with the credit bureaus, CFPB, or the legal system.
Radius Global Solutions Contact Information
- Mailing Address: 7831 Glenroy Road, Suite 250 Edina, MN 55439
- Phone Number: N/A
Frequently Asked Questions
Can You Remove Radius Global Solutions Collection Accounts?
Yes! If you are looking for a sure shot way to remove Radius Global LLC from your credit report, then hire a credit repair company right now.
They will successfully remove this negative item. You can also request debt validation, negotiate a settlement, or submit a goodwill deletion letter.
Whatever it is, act immediately and do not sit on this. The quicker you remove this item, the sooner you can start improving your credit.
Should I Negotiate a Settlement or Pay Radius Global Solutions?
Do not pay Radius Global Solutions LLC unless they promise to remove the collection account from your credit report.
If you already paid Radius Global Solutions, then write them a goodwill deletion or HIRE a credit repair company.
Trust me, a credit repair company can and will remove Radius Global Solutions LLC from your credit report.
Will Radius Global Solutions File a Lawsuit or Sue Me? Can they Garnish My Wages?
While Radius Global Solutions LLC most likely will not file a lawsuit, sue you, or garnish your wages, they 100% can. Since they “own” your debt, Radius Global Solutions can pursue civil litigation if you owe a substantial amount.
Undeniably, being sued or facing civil litigation, is a stressful and scary experience. The best thing you can do is seek professional legal expertise or hire a credit repair company.
A credit repair company will help you avoid a lawsuit and will fix your credit. It is a win-win all around.
Who Does Radius Global Solutions LLC Collect Debt For?
As one of the largest and most powerful debt collection agencies in the world, Radius Global Solutions LLC collects debt for a wide range of clients.
Here is who they collects debt for:
- Retail and Consumer Goods
- Government Agencies
- Education Institutions
- Utilities and Communications Companies
- Healthcare Providers
- Transportation Services
- The Entertainment and Hospitality industry
- Financial Services
Bottom Line: Radius Global Solutions LLC
As you can see, removing Radius Global Solutions LLC from your credit report is not difficult. Still, it requires work on your end, unless you hire a professional.
Like we said earlier, the best course of action is to hire a credit repair company. They will provide you candid advice, will handle all correspondence with the debt collector, and will remove the collection account from your credit report. Above all, they will help you raise your credit score, so you can open up a checking account, apply for a credit card, and refinance your loans at a better rate.