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If you have heard from CACH, LLC recently, this agency is likely pursuing you for an unpaid debt.

This means that either your old creditor has hired it or CACH, LLC has acquired the debt to profit from your payments. However, agencies rarely pursue the debts themselves. Even though they are debt buyers, they typically seek out third-party debt collection companies when pursuing debt settlement. Either way, CACH, LLC will need to open a collections account on your credit report in order to legally pursue payment. This can mean trouble for your credit score.

Check out this in-depth guide to learn more about CACH, LLC and how to remove it from your credit report.

What is CACH, LLC?

CACH, LLC, under the parent company SquareTwo Financial, is a medium-sized debt collection agency headquartered in Greenville, South Carolina. Founded in 2005 in Denver, Colorado, it specializes in debt collection on behalf of financial institutions, though it outsources to Resurgent Capital Services, whose phone number is 888-665-0374. This agency typically buys debts, usually credit card debt, from financial institutions such as Capital One or Bank of America.

While CACH, LLC is a legitimate debt collector, this does not make it popular among its customers. It has accrued 103 complaints with the Consumer Financial Protection Bureau (CFPB) and 10 complaints with the Better Business Bureau (BBB). These complaints consist of harassment, inaccurate reporting and failure to validate debt information, which are all in violation of consumer protection laws in the United States. If you experience similar treatment, you can file a complaint as well.

It's clear from many customer complaints that CACH, LLC will routinely seek out Mandarich Law Group on its behalf when pursuing debts in the state of New York, pointing toward its aggressive tendencies.

Steps to remove CACH, LLC from your credit report

Here are the essential steps to take to remove a CACH, LLC collection entry from your credit report:

  • Ask for a goodwill deletion
  • Write a debt validation letter
  • Make a pay-for-delete agreement
  • Hire a professional

Ask for a goodwill deletion

If you have already paid the debt, there is a chance that you can get the entry deleted.

You can try requesting a goodwill deletion from CACH, LLC to have it remove the entry with little hassle. A goodwill deletion means that CACH, LLC will remove the collection entry from your credit report out of benevolence.

This method typically only works if CACH, LLC can see that the collection is a one-off event. Usually, the debt will have to be paid, and you must be up to date on your payments to show that this was a blip on your record.

To request a goodwill deletion, write a letter to CACH, LLC explaining why you were late on your payments in the first place and why you would like the entry removed. Be sure to mention any extenuating circumstances, such as a job loss. It creates a narrative and may inspire sympathy from CACH, LLC.

One of the most important things to remember when crafting your goodwill deletion letter is to be polite. If you write to CACH, LLC demanding that it removes the entry, the agency is going to be less likely to grant you your request.

Write a debt validation letter

If you haven’t paid the debt or it has denied a goodwill deletion, you should request debt validation from CACH, LLC. By doing this, you can get the collection entry deleted on a technicality.

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request that a debt collector verify that the debt belongs to you before you make any payments on it. This law also lays out a statute of limitations to pursue the debt. This is because it is common for information about the debt to get misconstrued when transferred from the original creditor to the debt collector.

It is essential that you validate the debt before you make any payments on it. Otherwise, you could be footing the bill for someone else’s debt. This step is time sensitive, so it’s best to do this as soon as possible, no matter the status of your debt.

For the agency to validate the debt, you will need to write a debt validation letter. This is a letter that asks CACH, LLC to confirm certain details of the debt, such as the reason, the date of debt acquisition and the total amount of the debt.

To dispute an entry on your account, use the following contact details:

Resurgent Capital Services
PO Box 10497
Greenville, SC 29603

Toll-free number: 864-248-8700

Once CACH, LLC receives your debt validation letter, it is required to respond to it. The agency should return documents to you to prove whether it’s your debt or not.

Once you receive these documents, be sure to parse through the details and look for any inaccuracies. If you see anything that does not match up, file a dispute with the three major credit bureaus and demand that CACH, LLC close the account.

Make a pay-for-delete agreement

If the debt does indeed belong to you, your next step is to negotiate a settlement with CACH, LLC.

The most common type of settlement that customers make with debt collectors is a pay-for-delete agreement. This is when CACH, LLC agrees to delete its entry from your credit report in exchange for payment on the debt.

Sometimes, debt collectors are willing to accept less than the full amount because they may have purchased the debt for pennies on the dollar. However, this will require some negotiation on your part.

Start by offering to pay CACH, LLC half of the total balance of the debt. Work with it to come up with a reasonable solution that works for both parties. Once you get the terms of the agreement in writing, make your first payment to CACH, LLC. Never allow the agency direct access to your bank account.

After 30 days, check your credit report to see if CACH, LLC still appears as an entry. If the entry has gone, you can make the payment for the agreed-upon amount. If CACH, LLC is still on your credit report, reach out and remind the agency to uphold its end of the deal.

Hire a credit repair company or law firm

If you aren’t gaining ground with CACH, LLC, you can always hire a credit repair company to remove the entry for you.

A credit repair company specializes in identifying and removing any negative entries on your credit report. It can also review your overall financial habits and help you improve your scores through better money management skills.

When looking for a credit repair company, it’s important to work with a reputable company. Credit Saint is a reliable choice for those looking for a trustworthy credit repair company. It has helped customers clean up their credit report and increase their score for years. It understands the industry inside and out and uses its knowledge to help you get your financial goals back on track.

Based on detailed customer complaints, CACH, LLC employs severe legal avenues to collect, including hiring a collection attorney to file debt collection lawsuits or default judgments that often include the original debt, late fees and attorney fees.

The most popular question people with credit issues ask is, "Can a debt collector file a default judgment against me or garnish my wages?"

The answer is yes. To protect yourself from wage garnishment or any other collection attempts, seek out a debt relief law firm that specializes in Chapter 7 bankruptcy and debt settlement.

Keep in mind that when you contact a law office, you do not have the privilege of an attorney-client relationship. You must retain the attorney for it to take effect.

Dealing with CACH, LLC

Collection accounts are a black mark on your credit report. They can remain on your report for up to seven years, even if you pay the debt. Future lenders can see them and make loan decisions based on the fact that you failed to pay a debt. The only way to reduce the impact of a collection account is to remove it altogether.

If you are unsure how to remove CACH, LLC from your credit report, you aren’t alone. Thousands of people have successfully cleaned up their credit reports, and you can too.

Dealing with debt collectors requires patience and tenacity. They can be difficult to deal with, but you can reach an agreement with them if you know what to ask for.

By following the steps outlined above, you can prevent harassment from CACH, LLC and reduce its impact on your credit score.

Disclaimer: This story was originally published on September 18, 2020, on To find the most relevant information concerning collections or credit card inquiries, please visit: or