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Guide to Removing Paul Michael Marketing from Your Credit Report

Last updated 06/27/2024 by

Silas Bamigbola

Edited by

Fact checked by

Dealing with debt collectors like Paul Michael Marketing can be stressful and frustrating. If you have overdue bills or defaulted on a loan, you may find Paul Michael Marketing appearing on your credit report as the assigned agency to recover the debt. This comprehensive guide will help you navigate the process of removing it from your credit report. It covers the impact of this debt collection agency on your credit score, methods for disputing and removing the account, your legal rights, negotiation strategies, and steps to protect your financial health.

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What is Paul Michael Marketing?

Paul Michael Marketing is a debt collection agency that may appear on your credit report if you have an unpaid debt. They often purchase debts from original creditors, such as credit card or loan companies, for a fraction of the original amount. In some cases, they are hired to collect debts on behalf of other companies. This agency is known for contacting individuals via mail or phone calls to demand payment. Having a collection account like this on your credit report can significantly damage your credit score and hinder your ability to secure loans or other financial opportunities.

Who does Paul Michael Marketing collect for?

Paul Michael Marketing collects debts for a variety of creditors, including credit card companies, loan providers, and other financial institutions. The specific creditors they collect for can vary over time, and they typically do not publicly disclose this information. When they purchase a debt, they pay only a small percentage of the original amount, sometimes as low as 10%. This means they profit by collecting the full amount from you, even though they paid much less for the debt.

Impact on your credit score

Does Paul Michael Marketing hurt my credit score?

Yes, having a collections account from Paul Michael Marketing on your credit report can severely impact your credit score. Collections accounts are considered derogatory marks and can remain on your credit report for up to seven years from the date of the first delinquency. This negatively affects your payment history, which is a significant factor in calculating your credit score. As a result, it can lower your score and reduce your chances of getting approved for new credit.

Pro Tip

Regularly monitor your credit report to catch any inaccuracies early and address them before they impact your credit score.

Steps to remove Paul Michael Marketing from your credit report

Verify the debt

Before taking any action, ensure that the debt in question is valid and belongs to you. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter from Paul Michael Marketing. This letter should include details about the debt, such as the original creditor, the amount owed, and relevant account information. If they cannot provide this information, you may be able to dispute the debt.

Dispute inaccurate information

If you find inaccuracies in the debt validation letter or on your credit report, you can dispute the information with the credit bureaus. The Fair Credit Reporting Act (FCRA) gives you the right to challenge any incorrect or unverifiable information. Submit a dispute to the credit bureaus (Experian, Equifax, and TransUnion) with supporting documentation to prove the errors. This process can result in the removal of the inaccurate account from your report.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with Paul Michael Marketing to remove the collections account from your credit report in exchange for payment. While not all debt collectors agree to this, it is worth attempting. Ensure you get the agreement in writing before making any payments.

Seek professional help

If you are struggling to manage the dispute process or negotiate with Paul Michael Marketing, consider seeking help from a credit repair company. These professionals can analyze your credit report, identify errors, and negotiate with creditors on your behalf.

Your rights when dealing with Paul Michael Marketing

What are my rights?

You have the right to dispute any debt of yours that Paul Michael Marketing is trying to collect. Paul Michael Marketing is governed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These acts provide you with significant power if you know how to use it.
  • Protection from harassment: Debt collectors are prohibited from engaging in harassing behavior, such as repeatedly calling you, using obscene language, or making threats of violence.
  • Verification of debts: If you dispute a debt, the debt collector must provide verification of the debt, including the amount owed and the name of the original creditor. You have the right to request this information in writing within 30 days of receiving the initial communication from the debt collector.
  • Cease and desist: You can request that the debt collector stop contacting you about the debt. Once you make this request in writing, they are legally required to cease communication, except to inform you of specific actions they may take, such as filing a lawsuit.
  • Accuracy in reporting: Debt collectors must accurately report information about the debt to credit reporting agencies. If you believe there is inaccurate information on your credit report, you have the right to dispute it.
  • Legal recourse: If a debt collector violates the FDCPA, you have the right to take legal action against them. You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or pursue a lawsuit in state or federal court.
You can find more information at the Federal Trade Commission.

Request all correspondence in writing

Ensure a documented record of communications with Paul Michael Marketing by requesting written correspondence. Contact Paul Michael Marketing at the following address:
Paul Michael Marketing contact information
159-16 Union Turnpike, Suite 306, Flushing, NY 11366
+1 718-740-1401

How to file a complaint against Paul Michael Marketing

If you believe Paul Michael Marketing has violated your rights under the FDCPA or FCRA, you have the option to file a complaint. Here’s how:
  1. Consumer Financial Protection Bureau (CFPB): File a complaint online here or by calling 1-855-411-2372.
  2. State’s Attorney General: You can also file a complaint with your state’s Attorney General’s office. Contact information for your state’s Attorney General can typically be found on their official website.
  3. Federal Trade Commission (FTC): File a complaint online here.

Documenting your complaint

When filing a complaint, it’s important to provide as much detail as possible. Include the name of the debt collector, the date and time of the alleged violation, and any supporting documentation such as letters, emails, or phone records. This information will help the authorities investigate your complaint more effectively.

Following up on your complaint

After filing your complaint, follow up with the relevant agency to ensure that your case is being handled. Keep records of all communications and updates related to your complaint. If you do not receive a satisfactory resolution, you may need to consult with a consumer protection attorney to explore further legal action.

Understanding your credit report

Why understanding your credit report is important

It is crucial to regularly review your credit report to ensure all the information is accurate. This includes checking for any accounts reported by Paul Michael Marketing. You can obtain a free credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) annually at

How to prevent future debt collections

To avoid future debt collection issues, consider the following tips:
  • Pay your bills on time and manage your debts responsibly.
  • Monitor your credit report regularly for any inaccuracies or signs of identity theft.
  • Create a budget to keep track of your income and expenses, ensuring you live within your means.


Dealing with Paul Michael Marketing and other debt collectors can be challenging, but understanding your rights and the steps you can take to remove negative marks from your credit report is crucial. By verifying the debt, disputing inaccuracies, and considering options like pay-for-delete agreements, you can work towards improving your credit score. If you need help, don’t hesitate to reach out to credit repair professionals who can guide you through the process and help you achieve a positive resolution.

Frequently asked questions

How long does a collection account stay on my credit report?

A collection account can remain on your credit report for up to seven years from the date of the first delinquency.

Can paying off a collection account improve my credit score?

Paying off a collection account may improve your credit score slightly, but the negative mark will still remain on your report for up to seven years. Negotiating a pay-for-delete agreement can be more beneficial if you can get the debt collector to agree.

What should I do if Paul Michael Marketing violates my rights?

If you believe that Paul Michael Marketing has violated your rights under the FDCPA or FCRA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal advice to explore your options for recourse.

How can I prevent future collection accounts on my credit report?

To prevent future collection accounts, manage your debts responsibly, make timely payments, and monitor your credit report regularly for any inaccuracies or signs of identity theft.

Is Paul Michael Marketing a legitimate company?

Yes, Paul Michael Marketing is a legitimate debt collection agency. They are not a scam or fake company, but they may engage in aggressive collection tactics such as frequent phone calls or letters. It is important to know your rights when dealing with debt collectors to protect yourself from harassment and ensure fair treatment.

Why does Paul Michael Marketing keep calling me?

Paul Michael Marketing is attempting to collect a debt by contacting you through phone calls. If these calls are frequent or harassing, you have the right to request they cease communication. Sending a written request to stop contact can help manage the situation. If harassment continues, you may need to seek legal assistance.

Will Paul Michael Marketing try suing or garnishing my wages?

While it is rare for Paul Michael Marketing to sue, it is not impossible. If they decide to pursue legal action, you will receive a summons to appear in court. It is important to respond to any legal notices promptly. Wage garnishment can only occur if a court judgment is obtained against you. State and federal laws provide certain protections and exemptions regarding garnishment.

Key takeaways

  • Paul Michael Marketing is a legitimate debt collection agency that can significantly impact your credit score.
  • You have the right to request debt validation and dispute any inaccuracies in your credit report.
  • Negotiating a pay-for-delete agreement can potentially remove the negative mark from your credit report.
  • Seek professional help if you need assistance managing disputes or negotiating with debt collectors.
  • Understanding your rights under the FDCPA and FCRA can help you protect yourself from unfair collection practices.

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