You’ve checked your credit report, and Trojan Collection Services or Trojan Professional Services is listed there. You may or may not also be getting phone calls from this company. What can you do, and how should you handle this situation and get Trojan Professional Services off your credit report?
Trojan Professional Services is a company that helps dental offices run more efficiently. The company manages insurance verification and pre-authorization requirements for dental practices. The company is listed on your credit report because they also offer collection services.
Trojan Professional Services will send out collection letters to people that dentist’s offices believe owe money. According to the company, after they send a collection letter to patients, if the account doesn’t get paid within 45 days, it will be listed as a collection account with Experian, Equifax, and Transunion.
A collection account listed on a credit report can have a seriously detrimental effect on your credit score. Sometimes, collections accounts can lead to triple-digit drops in scores. Your credit score is going to be relevant if you want to open a new credit card or bank account, get utility or cell phone service, rent a home, get a mortgage, buy a car, or even get certain jobs.
If you see Trojan Professional Services listed on one or more of your credit reports, you have to be proactive about getting it removed. Otherwise, collections accounts can stay on your credit report for around seven years.
If you try to contact this company on your own without the help of a consumer protection attorney, there’s the risk that you could acknowledge the debt accidentally, restarting the statute of limitations. That means the debt could be listed on your credit even longer.
Trojan Professional Services isn’t a scam. They’re a real company, and in addition to third-party debt collection for dental offices, they offer other services as well, including software for dentists and insurance verification.
Trojan Professional Services doesn’t have a Better Business Bureau accreditation, and there are quite a few consumer complaints about the company listed with the BBB.
Some consumers allege that Trojan Professional Services has been unresponsive when they’ve attempted to get more information about debt or talk to them about disputing debts. Many consumers say that the debts reported on their credit by Trojan Professional Services are inaccurate, whether that’s fully or partially.
There are consumers who say they’ve sent multiple certified letters to the company asking for more information about debts they’re trying to collect and haven’t heard back, even though they believe the accounts are inaccurate or fraudulent.
If you’re getting calls from this company, it’s most likely because they believe you owe a debt that originated with a dental care provider.
Debt collectors often get it wrong, though. The original dental provider could have given them incorrect information about the status of an account, payment dates, or the balance owed.
Debt collectors also tend to have to fill in the information gaps with their own research when a creditor gives them an account. This leaves room for errors, especially when people have similar names or Social Security numbers.
Along with collecting for dental providers, Trojan Professional Services sometimes also collects for other medical and health care providers.
If Trojan Professional Services is calling you, sending you letters, or has reported information on your credit report, you have rights.
The Fair Debt Collection Practices Act (FDCPA) is a law that prevents debt collectors from using harassing, threatening, or intimidating behaviors when trying to collect debts. The FDCPA says that a collection agency operating as a third party like Trojan Professional Services can’t call repeatedly in a short window of time or more than seven times in a seven-day period.
According to the FDCPA, debt collection agencies are required to be forthcoming about who they are and why they’re calling someone. They can’t misrepresent their identity, the debt owed, or the actions they can legally take.
Debt collectors can’t talk to third parties like an employer about your debt, nor can they call before 8 in the morning or after 9 at night.
There’s also the Fair Credit Reporting Act. The FCRA is a law focused on how your financial and credit information is used and stored. You have the right accuracy, fairness, and transparency. If someone is going to check your credit, they are supposed to inform you of this. If you’re denied credit, or there’s another adverse action taken because of information found on your credit report, you have the right to know why.
If an employer plans to check credit before extending a job offer, they must get written permission from the applicant before doing so.
The FCRA says old debts should leave your credit report, usually after seven years.
You also have the right to dispute inaccuracies and wrong or fraudulent information. Once a dispute is submitted to a company, they have a 30-day window to investigate the claim and correct or update information as needed.
Unfortunately, even when consumers submit disputes to third-party debt collectors, it often doesn’t fix the problem. The company might unfairly disagree with their dispute or fail to respond at all. There are also situations where the collection agency says they’ll remove the negative information from credit reports and don’t do so. If you try to contact a debt collector directly, it can also put you at risk of worsening the situation.
Working with a consumer protection attorney is the best way to deal with a company like Trojan Professional Services and show them you’re serious about resolving disputes and stopping their calls.
If you’re tired of being negatively affected by Trojan Professional Services in any way, Fair Credit can help. Our team of FCRA attorneys can help you get Trojan Professional Services off your credit report, so contact us for a free case review.