Is Secure Capital Management, Inc. on Your Credit Report?
Short answer: Secure Capital Management, Inc. () is a real, legitimate debt buyer based in Elma, NY, operating since 2014. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Secure Capital Management, Inc.?
Secure Capital Management, Inc., based in Elma, New York, operates in purchased receivables. A buyer that did not originate the account must trace ownership back to the original creditor — chain of title is where these accounts are weakest.
You may also see this company on your report or in letters as:
What most people don't know about :
Florida regulators list Secure Capital Management, Inc. at Elma, New York on consumer collection agency filing CCA9903446 (currently denied tech). The CFPB's separate complaint database carries 16 debt-collection complaints against the same firm. The public record is thin at that level, so your own paperwork will carry more weight than anything in the database. The Florida filing dates to 2014.
Why Is on My Credit Report?
Secure Capital Management, Inc. typically collects charged-off credit card debt, purchased loan portfolios, retail accounts. A collection like this usually lands on your report because:
- ✅ An original account (a charged-off credit card debt, for example) went unpaid and was charged off.
- ✅ The account was sold to Secure Capital Management, Inc., which now owns the debt and is trying to collect the full balance.
- ✅ Secure Capital Management, Inc. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send undefined a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the undefined tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that undefined stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," undefined can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars undefined from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the undefined entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Secure Capital Management, Inc. — Frequently Asked Questions
Is Secure Capital Management, Inc. a scam or a legitimate company?
Secure Capital Management, Inc. is a real, registered debt buyer headquartered in Elma, NY, in business since 2014. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like undefined, so always demand written validation before paying anything.
Why is Secure Capital Management, Inc. on my credit report?
Secure Capital Management, Inc., based in Elma, New York, operates in purchased receivables. A buyer that did not originate the account must trace ownership back to the original creditor — chain of title is where these accounts are weakest. It most commonly collects charged-off credit card debt, purchased loan portfolios, retail accounts. It likely appeared after an original account went unpaid and was sold to them. Florida regulators list Secure Capital Management, Inc. at Elma, New York on consumer collection agency filing CCA9903446 (currently denied tech). The CFPB's separate complaint database carries 16 debt-collection complaints against the same firm. The public record is thin at that level, so your own paperwork will carry more weight than anything in the database. The Florida filing dates to 2014.
Can Secure Capital Management, Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported undefined collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Secure Capital Management, Inc. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Secure Capital Management, Inc. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to undefined.
How long can Secure Capital Management, Inc. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Secure Capital Management, Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Secure Capital Management, Inc. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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