Optimum Outcomes on Your Credit Report? Fight Back and Win

Last Updated:
July 12, 2023

Experiencing negative credit activity can be a major source of financial stress and affect your life in a variety of ways. If you've been contacted by Optimum Outcomes, it's likely you have a debt that is seriously delinquent and the creditor has taken strong measures to collect on the outstanding amount.

While fending off constant calls from collectors can feel like a Sisyphean task, with the right information, you can put a stop to the phone calls for good. In this article, we'll discuss what Optimum Outcomes is, their services, and how to get them removed from your credit report. Keep reading to learn more!

What Does Optimum Outcomes Do?

Debt collectors like Optimum Outcomes - founded in Raleigh, NC in 1987 - are organizations that work to recover money that is owed to creditors, either by working on behalf of the creditor, buying a debt for a reduced amount, or charging them a fee for their services.

Companies like Optimum collect on debts that they've purchased for pennies on the dollar or for which creditors have contracted them for their collection services for an agreed upon fee. The primary role of a debt collector are to contact debtors and negotiate payment agreements to recoup the unpaid balance owed by the debtor. 

If successful, the funds are remitted back to the creditor and any fees owing to the debt collector are paid out. 

Is Optimum Outcomes a Legit Company?

Yes, Optimum Outcomes is a legitimate debt collector - don’t ignore them hoping the situation will go away or under the misapprehension that it’s a scam. The company’s contact information can be found below:

  • Phone Number: (877) 795-9819
  • Address: 3200 Spring Forest Rd Raleigh, NC 27616-2811
  • Website: https://www.oorcm.com/
  • BBB Rating: 1/5

With a 1-star rating from the Better Business Bureau and dozens of complaints filed with the Consumer Financial Protection Bureau, it's important to know your rights before engaging in any communication or negotiation with Optimum Outcomes. 

Although this company is legally permitted to pursue unpaid debts, it’s essential for consumers to be fully informed of their rights as well as state and federal laws related to debt collection so that they are not taken advantage of or subjected to unfair terms.

What Can I Do If I’m Being Harassed by Optimum Outcomes?

It's normal to feel overwhelmed if you've been contacted by a debt collector like Optimum Outcomes, but there are steps you can take to ensure your rights and interests stay protected under the Federal Debt Collection Practices Act (FDCPA). This law that was created to protect consumers from unfair tactics and policies used by debt collectors. 

It's important to know your rights so you understand how debt collectors may or may not treat you while they're attempting to collect. The FDCPA outlines a set of rules and restrictions governing how and when a debt collector can contact a consumer as well as what language they're responsible for using while doing so. Prohibited behaviors include the following:

  • Harassing, oppressive or abusive language or behavior, including the use of obscene or profane language.
  • Contacting a consumer at their place of employment without prior consent or knowledge of the employer.
  • Calling a consumer at unreasonable times or hours, such as before 8 AM or after 9 PM, unless authorized by the consumer.
  • Contacting a consumer more than once per week regarding an alleged debt.
  • Threatening legal action that cannot be taken in compliance with state and federal law, for example: arrest, imprisonment, and repossession of property without court order/judgment from creditor and debtor rights laws already in place.
  • Publishing lists of consumers who allegedly owe debts (“bad debt” lists).
  • Misrepresenting the legal status of a debt to collect on it (i.e., falsely claiming that a civil lawsuit is imminent).
  • Misrepresentations about amount, character and/or legality of any debt being collected on behalf of another party (i.e., falsely claiming that fees were added when they were not).

Keeping accurate records when dealing with Optimum Outcomes is essential to hold the company accountable in case of any breach of contract. If a disagreement leads to litigation, this information can serve as valuable evidence. 

To further protect your interests, it is wise to enlist the help of an attorney who specializes in this type of situation. They can provide you with direction on which courses of action are most likely to be successful in protecting your rights and holding the collector accountable.

How Can I Get Optimum Outcomes Removed from My Credit Report? 

The first step to getting a collections account removed from your credit report is to determine whether or not the item is accurate or invalid. If you do not believe the item is correct, you should first reach out to Fair Credit. Our team of specialists can identify errors in credit reporting, and lead your dispute in order to get the error removed from your report.

If you have confirmed that the debt is indeed yours and is valid, there are several steps you can take to remove the collections account from your credit report. These include:

  • Negotiating with the collection agency for a reduced payment plan or settlement agreement. If successful, this can help reduce your overall balance due and potentially even eliminate any negative impact on your credit score.
  • Requesting a good-will adjustment from Optimum Outcomes – this involves explaining why you were unable to keep up with payments and asking them to consider forgiving some of what you owe in exchange for an updated payment plan.

Additionally, it's wise to consider working with an experienced attorney who can assist with negotiations or other strategies to help get your accounts removed from your credit report once and for all.

Contact Us For Your Free Case Review

Dealing with collections agencies is notoriously difficult, and knowing that you have an advocate on your side can be incredibly empowering. Fair Credit understands this situation better than anyone and our legal team is standing at the ready to assist.

We're trained in identifying possible violations of the law, coordinating better payment terms, and halting further harassment to provide you with complete peace of mind. Our team is passionate about fighting for our clients' rights, whatever the situation. Get in touch today for a free case review and let us help you move forward with confidence.

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review