What does CACH LLC/RESURGENT CAP mean on my credit report?

Is CACH LLC/RESURGENT CAP making an impact on your credit score?

Updated January 1, 2023
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What is CACH LLC/RESURGENT CAP?

CACH LLC/RESURGENT CAP is shorthand for CACH LLC, with the company name being CACH LLC Inc

CACH LLC/RESURGENT CAP is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with CACH LLC.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for CACH LLC:

Address:

  • PO Box 10497, Greenville, SC 29603

Website:

Email:

Phone:

Payments

CACH, LLC works with Resurgent Capital Services to collect debts. Resurgent does not accept checks or money orders. Payments can be made online through Resurgent Capital Services. There may be penalties for late or missed payments depending on the creditor.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? No
Can I make a payment using a prepaid debit card? No
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

they do not offer loan forgiveness or consolidation.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

You cannot apply for a loan online, over the phone, or in person with CACH LLC. You must contact Resurgent Capital Services to get more information about your CACH-owned account and resolve your outstanding balance. Cosigners are not typically required to apply for a loan with CACH.

Question Answer
Can I apply for a loan online? No
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? No
Can I apply for a loan with a cosigner? No

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.

How do I remove CACH LLC/RESURGENT CAP 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.