What does THESTARKCOLL mean on my credit report?
Learn about THESTARKCOLL, an collections agency offering loans for financial assistance. Check the impact to your credit report and financial status.
What is THESTARKCOLL?
THESTARKCOLL is shorthand for The Stark Collection Agency, with the company name being The Stark Collection Agency Inc
The Stark Agency is a full service Debt Collection Agency located in Madison, Wisconsin founded in 1948. We have helped countless organizations enhance their profitability and improve their cash flow since then. Current Owner Pauline Kussart bought The Stark Agency from us in 1998 and serves as CEO, managing day to day operations.
THESTARKCOLL is a Collections Agency provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with The Stark Collection Agency.
- ⚫ The Stark Collection Agency bought your debt and are now trying to collect on it.
- ⚫ You opened a credit card / loan / mortgage with this company.
- ⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for The Stark Collection Agency:
Address:
- 402 Gammon Place, Madison, WI 53719-1074
Website:
Email:
Phone:
Payments
The Stark Agency offers various payment options including early out programs, letter services, calling campaigns, and no charge online client access. Additionally, The Stark Agency offers discounts for automatic payments, and wire transfer payments as one of its collection services.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
The Stark Agency does not offer loan forgiveness or consolidation services.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
The Stark Agency offers services that include pre-collection services, personalized payment delinquency notifications, and a sophisticated web-based predictive dialing campaign to help customers apply for loans. Applying for a loan over the phone call is not one of the services offered by The Stark Agency, but customers can apply for a loan in person. The Stark Agency also offers collection services which includes Early Out Program, Letter Service Programs, Calling Campaigns and more which can help customers apply for loans with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
SmartCredit Report Example
- This is an example of what this creditor will look like on your SmartCredit report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
What is a Collections Agency?
Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.
How do I remove THESTARKCOLL from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.