How to Get Caine & Weiner Off Your Credit Report
Caine & Weiner is a real debt collection agency that reports unpaid debts to Experian, Equifax, and TransUnion. A collection account from them can drop your score 50–150 points and stay on your report for 7 years. You can get it removed only if the debt is wrong, outdated, or if they agree to delete it after payment.
What Is Caine & Weiner?
Caine & Weiner is a large third-party debt collector founded in 1930. They buy old debts or work for creditors (hospitals, banks, utilities) to collect money. They contact people by phone, mail, email, and text.
Official info:
- Website: caine-weiner.com
- Phone: 800-282-5925
- Address: 21210 Erwin St, Woodland Hills, CA 91367
Is Caine & Weiner Legitimate?
Yes. They are a real company, licensed where required, and follow the Fair Debt Collection Practices Act (FDCPA). They have a B rating with the BBB and some complaints (normal for collectors).
Can Caine & Weiner Sue Me or Garnish Wages?
Yes, if they win a judgment in court. After judgment they can garnish wages (up to 25% in most states), bank accounts, or put liens on property. Social Security, disability, and some pensions are protected. Statute of limitations is usually 3–6 years by state — after that they cannot sue.
How to Remove Caine & Weiner From Your Credit Report
Only two legal ways work:
| Situation | Removal Chance | Time Needed |
|---|---|---|
| Debt is wrong / not yours | High (if proven) | 30–60 days |
| Debt is yours and accurate | Low | Months |
| Pay for delete agreement | Medium | 30–90 days |
| Debt older than 7 years | Automatic | Wait |
Step 1: Get Your Free Credit Reports
Go to AnnualCreditReport.com — free weekly in 2025. Download all three (Experian, Equifax, TransUnion). Find the Caine & Weiner entry.
Step 2: Send a Debt Validation Letter (Within 30 Days of First Contact)
If they just contacted you, mail a validation letter (certified mail). They must prove:
- You owe the debt
- Amount is correct
- They have right to collect
Template link: [Download debt validation letter]
They stop collection until they validate.
Step 3: Dispute Inaccuracies With the Credit Bureaus
If anything is wrong (wrong amount, wrong dates, not your debt):
- Dispute online or by mail with all three bureaus
- Attach proof (old statements, ID theft report, etc.)
- Bureaus have 30 days to investigate
- If they can’t verify → deleted
Step 4: If the Debt Is Yours – Negotiate Pay for Delete
Call or write and offer to pay in full or settle for less if they delete the tradeline. Key rules:
- Get the deal in writing first
- They are not required to agree
- Pay only after signed letter arrives
Sample pay-for-delete letter: Offer 40–60% settlement for full deletion.
Step 5: Try a Goodwill Letter (Last Resort)
If you already paid and it was a one-time mistake, send a short goodwill letter asking for removal. Success rate <20%.
Template link: [Download goodwill letter template]
Step 6: Wait 7 Years
Collections fall off automatically 7 years + 180 days from original delinquency date.
Your Rights Against Caine & Weiner (FDCPA
They CANNOT:
- Call before 8 AM or after 9 PM
- Call your job if you tell them to stop
- Threaten arrest or use profanity
- Tell family/friends you owe money
- Lie about amount or say they are attorneys
They MUST:
- Stop calling if you send written cease letter
- Validate debt if asked in 30 days
- Talk only to your lawyer once you have one
Facts
- Average score drop from one collection: 96 points (Experian 2025)
- 71% of collections have errors you can dispute (FTC)
- Paid collections still hurt score until removed (no more “paid is okay” rule)
- Rent reporting adds positive history that can offset old collections fast (AxcessRent data)
FAQ
Is Caine & Weiner a scam?
No. They are a legitimate agency since 1930.
Can I remove Caine & Weiner from my credit report?
Yes — if the info is wrong, or they agree to pay-for-delete. Otherwise it stays 7 years.
How long does Caine & Weiner stay on my credit report?
7 years from the first delinquency date on the original account.
Will paying Caine & Weiner remove it from my report?
Usually no. Paying updates to “paid” but it still hurts score. Need pay-for-delete agreement.
How do I stop Caine & Weiner calls?
Send written cease-communication letter certified mail. They must stop (except to say they’re suing).
Can Caine & Weiner garnish my wages?
Only after they sue and win a judgment. Most never sue.
What if I never got a validation notice?
Dispute with bureaus as “no knowledge of account” — often gets removed.
Does disputing hurt my credit score?
No. Disputes don’t lower score.
How fast can Caine & Weiner be removed?
30–45 days if inaccurate and dispute wins. Longer for negotiations.
Will rent reporting help after a collection?
Yes — strong on-time rent history can raise score 20–80 points and make lenders ignore old collections.
