8774981496

877 area code: Toll-free
Read comments below about 8774981496. Report unwanted calls to help identify who is using this phone number.
  • 0
    TINADOUGHTRY
    THE SAME THING HAPPENED TO ME TODAY.. THEY HAVE A F RATING ON THE BBB...AND THEY CALLED ME ABOUT A LOAN FROM OVER 10 YEARS AGO..GUYS DO NOT MAKE ONE PAYMENT TO THEM ON A OLD LOAN BC WITH ONE PAYMENT THEY CAN TURN AROUND AND SUE YOU... I'VE WORKED IN COLLECTIONS.. AND THEY CAN'T DO ANYTHING TO YOU THERE JUST TRYING TO SCARE YOU INTO PAYING SO THEY CAN SUE YOU!!!
    • Caller: CHECK AND CREIT REPORTING CORP
  • 0
    scared witless
    Called me at work, left a message on the office machine, thankfully i was the only one there thaf could check fhem. I tried callkng back tonight bht was told the.box was full and fhen said an wrror had occured in me callinc them back. I cant take personal calls at work. I am scared. I have been hiding in my house all night. I dont know what a check company is calling. I haven't had a bank account in years. Should i worry....reading all your posts makes me think ootherwis but still worries me . I wonder how they got my work number. I  could lose my state license if they continue with the calls.
    • Caller: check and credit services
    • Call type: Debt collector
  • 0
    Sal
    | 1 reply
    I got a call from an "investigator" who told me that he was serving me a judgement but could not answer any of my basic questions: who, why, when. He was very aggressive for someone who didn't even have my name right. I don't know how they got my home number since its fairly new.
    • Caller: Credit services?
  • +1
    MJG replies to Sal
    1. Your new number may have been held by someone who really did owe debts.  OR 2. Your name is similar to someone who does owe money. OR 3. The scammer pulled your number out of the air and hoped you'd be upset enough to pay him.  Ignore the calls - chances are the scammer is not even in the United States and they certainly will not be knocking on your door.
  • 0
    Michael
    This women called me and said she was coming to my place of residence to serve me for a 10 year debt.  I called back and she threatened to take me to court.  When I questioned her about the 10 year debt she hung up on me.  I called back to tell her to stop calling and she threatens me with a harrassment charge.  She shows up at my house she will be arrested.  This is against the fair debt collection practices and the federal trade commission.  This company is in violation of many legal practices!  It is a scam don't call for it.  The only thing is they have social security number.
    • Caller: CCR
    • Call type: Debt collector
  • 0
    ShillKill
    BBB Information on this company

    http://www.bbb.org/upstate-new-york/business- ... a-ny-190325537/

    Check & Credit Reporting, Inc.
    Phone: (877) 498-1496
    (716) 683-0276 (Fax)
    (716) 683-6520 (Fax)
    3806 Union Rd Ste 155,
    Cheektowaga, NY 14225
    Contact Information
    Customer Contact: Mr. Aaron Ross, Complaints


    They have an "F" rating from BBB
    Factors that lowered the rating for Check & Credit Reporting, Inc. include:
       122 complaints filed against business
       Failure to respond to 111 complaints filed against business
       62 serious complaints filed against business
       Overall complaint history with BBB
       Government action(s) against business

    A news article documenting some very distrubing behavior from this company
    http://www.dailyfinance.com/2011/02/22/debt-c ... tary-personnel/
  • 0
    Lou
    Just received two calls from that odd number and sent them straight to voice mail.  I now have that number blocked in my phone so good luck to them.  They did not leave a message on my voice mail and now they can go bother someone else since  my phone won't connect them.

    Do people actually fall for this nonsense?
    • Caller: ?
  • 0
    Unhappy Phone Answerer
    Just received a phone call with an id of 15ca6a9aaba5. I answered, but heard nothing & hung up. After researching this page, I'm glad no one answered me. I've never seen letters show up in a called ID before. Hoping to not get another call, but because I answered it, I probably will. These posts I've read are quite unsettling. I hope my child doesn't answer a harassing call, and I hope it's somehow figured out how to track who is doing this to people. Shame on them!
  • 0
    Lou
    Started receiving calls once again after a couple of weeks from 15ca6a9aaba5.  I still have that number blocked, but I must say they are determined.  They give up and start again.  I still don't know what they supposedly want and I really don't care.

    I have phone warrior and the number doesn't get through.  I believe they get a busy signal.  They must have alot of time on their hands to keep bothering me since I have impeccable credit and many people mentioned a pay day loan (don't even know what that it).

    Well, they can show up at my door (though I doubt it) and we'll see how far that gets them.

    Good luck everyone
    • Caller: ?
  • 0
    Christina Shiner
    They called me today 10/17/2013. Sent it straight to voice mail, no message left. I have never used a check cashing place or a payday loan cneter. Any debt I have is on payment plans so not sure what this was. This page is where I found out it was some kind of debt collector.
  • 0
    lou
    Again today, October 25 at 8:16 am.  Phone warrior blocked them.

    And again on October 23 at 1:08 pm.  Phone warrior blocked them.

    I wonder when they are going to give this up since they can't get through and they can't leave one of their bogus messages.

    Beginning to get comical that they keep trying especially when I have impeccable credit.  Makes you wonder how they decide to bother a certain person.
    • Caller: ?
  • 0
    Dave
    Got a message today from a Ms.Cassandra Wilson, a process server for Chesapeake County, saying all of the above ^^^^^. It's crap. but they do have a new number (866-676-2361) and it is on behalf of Check and Credit Reporting INC. Here is some info from a previous post that is very useful. I've danced with this lady more than I could ever care to. Once you metion "file a report" and one of the below agencies, the calls normally stop.


    Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

    http://www.ic3.gov/default.aspx
    http://www.fbi.gov/
    https://www.ftccomplaintassistant.gov/
    https://esupport.fcc.gov/ccmsforms/form1088.action
    https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

    Also read up on the laws and your rights:

    http://www.ftc.gov/os/statutes/fdcpajump.shtm
    http://www.consumerfinance.gov/askcfpb/search ...
    http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

    And see:

    http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
    ************
    http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
    *******************************
    Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
    "§ 809. Validation of debts
    (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
    (1) the amount of the debt;
    (2) the name of the creditor to whom the debt is owed;
    (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
    (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
    (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
    ****************************************
    A Collection Agent May Not…

    Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

    Misrepresent Him or Herself

     A debt collector may not misrepresent himself as an attorney or law enforcement officer.

    Use the Telephone to Annoy or Harass

     A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

    Threaten Arrest or Lawsuit

     A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

    Use Abusive or Threatening Language

     A debt collector may no use abusive or profane language in the course of communication related to the debt.

    Publish a Bad Debt List

     Publishing the consumer’s name or address on a "bad debt" list is prohibited.

    Contact By Embarrassing Media

     A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

    Contact a Consumer at Work

     A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

    Seek Unjustifiable Amounts

     A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

    Contact a Consumer Represented by an Attorney

     A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

    Communicate With a Consumer After Receiving a Validation Request

     If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

    Communicate With Third Parties

     A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

    Bills.com FDCPA FAQ

    Below are questions Bills.com readers ask frequently:

    Can a Collection Agent Call My Cell Phone?

     Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

    I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

     No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

    A Collector Says I Will Be Arrested if I Do Not Pay

     This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
    • Caller: Process Server on behalf of Check & Credit INC.
    • Call type: Debt collector

Report a phone call from 877-498-1496:

The company that called you.