Harris and Harris on Your Credit Report? Fight Back and Win

Last Updated:
April 14, 2023

Dealing with debt collectors can be a stressful and frustrating experience. The constant phone calls, the threats, and the harassment can take a toll on your well-being.

Unfortunately, Harris and Harris is a debt collection agency that has been known to engage in these types of tactics. If you're being harassed by Harris and Harris or they’re falsely reporting negative information on your credit report, you should know that you have rights.

Contact us today to schedule your free case review with an experienced FCRA lawyer. Continue reading to learn everything you need to know about Harris & Harris and how to end the phone calls once and for all.

Who is Harris And Harris?

Harris and Harris was founded in 1968 and has been based in Chicago, Illinois, for more than 50 years. Generally, they collect debts on behalf of a wide range of clients and within many industries.

They may appear on your credit report as one of many names (i.e., Harris & Harris Ltd, Harris and Harris Collections, etc.). If you want to get in contact with them to pay a debt, learn more information about it, or dispute it, they can be reached using the following methods:

  • Phone number: 1-800-362-0097
  • Mailing address: 111 W. Jackson Blvd, Suite 400, Chicago, IL 60604
  • Website: Harriscollect.com

Is Harris And Harris a Legitimate Company Or a Scam?

Harris & Harris is not a scam. They are a completely legitimate debt collection agency operating throughout the U.S. on behalf of its clients.

While they are a real debt collector, they don’t have the best reputation. In fact, their rating with the Better Business Bureau (BBB) is a dismal 1.08/5 stars. Further, there were 230 complaints against them in the last three years.

Additionally, Harris & Harris has earned a 1.2 out of 5-star rating on Google, receiving more than 403 written reviews – with most being negative.

Who Does Harris & Harris Collect Debt For?

This debt collection agency collects debt for many organizations across multiple sectors, including healthcare, finance, governments, utilities, telecom, and more. Some of their most prominent clients include Capital One, Northwestern Medicine, The State of Virginia, and countless others.

However, many complaints about Harris and Harris express how this company alleges that consumers owe a debt, but they can’t validate it. Further, many people express concerns about H & H reporting negative information on their credit when they don’t actually owe a debt.

If you’ve noticed Harris & Harris on your credit report or received calls but don’t believe you owe the debt, we can help. Contact us today for your free case review with an FCRA lawyer you can trust.

Why Am I Getting a Call From Harris And Harris?

The most likely reason that Harris & Harris is calling you is they believe you have a past-due or otherwise delinquent debt that you owe to one of their clients. In other cases, they may be contacting you due to credit reporting errors, inaccuracies, mistakes, or debts accumulated due to identity theft.

If you believe that you owe the alleged debt, then it’s recommended that you take action as soon as possible. In most cases, ignoring Harris and Harris or any other debt collector is not in your best interest, as it can further harm your credit and potentially lead to a lawsuit.

However, it’s not always a good idea to pay legitimate debts owed to debt collectors because it may do more harm than good. Our attorneys can help you decide the best steps to take to improve your credit as quickly as possible.

Continue reading to learn how to deal with Harris & Harris debt collectors.

How Do You Deal With Harris & Harris?

Every situation is unique. However, generally, there are a few things you should consider when handling debt collection calls and negative items on your credit report. They include the following:

  • Be Careful Of What You Say

It’s best to avoid talking too much when communicating with Harris & Harris. That means you should never confirm that you owe the debt or if you’re able to pay it.

  • Know How Old The Debt is

Suppose Harris and Harris are contacting you about a debt that you haven’t made a payment on in the last eight years. In that case, that debt has surpassed the statute of limitations (in most cases), and they can’t sue you for the debt. However, they can continue to pursue payment from you if they like. 

  • Get Everything in Writing

Agreements between debt collectors and consumers are best in writing. Otherwise, you have no proof that a collector like H & H agreed to a pay-for-delete or to accept partial payment.

  • Consider Hiring an Attorney

Whether you’d rather not deal with a debt collector on your own or you’re not sure when/if you should pay what you owe to Harris and Harris, an attorney can help ensure your rights are protected, and you take the best steps to clear your credit as fast as possible.

Continue reading to learn how our debt lawyers can help you deal with Harris & Harris.

Get Harris & Harris Off Your Credit Report - Contact Us Today

Harris & Harris collects debt on behalf of countless clients. Sadly, they also make many mistakes that result in unwarranted and invalid debt collection efforts. At Fair Credit, our consumer protection lawyers are dedicated to making sure that debt collectors treat consumers with respect.

If you're facing harassment over a debt you don't owe, our attorneys are here to help. Our team will assist you in stopping the abuse and holding the agency liable for disregarding your consumer rights. Further, if the debt is legitimate, we help you devise the best debt settlement plan for your finances and credit report.

Contact us today for your free case review.

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