How to get Allied Account Services (AAS) off my credit report
- Allied Account Services on your credit report could be inaccurate and is hurting your credit score.
- A lower score blocks you from loans, credit cards, renting, or buying a home.
- Call The Credit Pros to review your 3-bureau report and create a plan to fix your credit.
Pull your 3-bureau report and don't let this debt collector cause problems for you.
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Allied Account Services shows up on your credit report because they bought a debt you owe from a previous creditor. If you see them, it often means your payment on that debt stopped at some point. This situation can impact your credit score seriously, and ignoring it won’t make it go away. You need to take action to protect your financial future.
To tackle this issue, the best step is to call The Credit Pros. We'll help you evaluate your entire three-bureau credit report and identify any inaccuracies, including potential issues with Allied Account Services. We’ll guide you through the process of disputing any errors and effectively managing this collection so you can work towards a healthier credit score.
Make sure you act quickly. The longer you wait, the more harm it could do to your credit. Reach out to The Credit Pros for a simple, no-pressure conversation. We’re here to help you navigate this and find the best solution for your unique situation.
On This Page:
Why Is Allied Account Services On My Credit Report?
Allied Account Services appears on your credit report because they likely purchased an overdue debt from a creditor you previously owed money to. When you stop paying a debt, the creditor often sells it to a collection agency, such as Allied Account Services, in order to recover some of the losses. This transfer typically indicates that you have a past-due balance, which can negatively affect your credit score.
Seeing Allied Account Services listed means you might be receiving calls or letters from them demanding payment. It is crucial to confirm whether this debt is legitimate before making any payments, as a staggering 79% of credit reports contain errors, according to a U.S. PIRGs study. If you find inaccuracies, you have the right to dispute the entry, which could lead to its removal from your report.
In short, Allied Account Services is on your credit report due to a specific debt that has likely been sold to them, impacting your creditworthiness. Taking steps to verify this debt is essential.
Is Allied Account Services Legit Or A Scam (E.G. Fake)?
Allied Account Services appears to be a legitimate debt collection agency. Founded in 1976 and accredited by the Better Business Bureau (BBB) since 2017, it holds an A+ rating, indicating a solid reputation.
However, the agency has received numerous complaints, primarily regarding communication issues and debt verification. It's crucial to remember that many debt collection practices can feel deceptive or aggressive, leading some to label them as scams. This reflects a broader concern within the debt collection industry rather than specifically targeting Allied Account Services.
You should always verify any debt and understand your rights under the Fair Debt Collection Practices Act. In short, while Allied Account Services operates legally, consumer experiences suggest a level of caution is warranted when dealing with them.
Which Company Does Allied Account Services Collect Debt For?
Allied Account Services collects debt primarily for higher education institutions and utility companies. Additionally, they represent various creditors including municipalities, credit unions, medical service providers, and alarm companies.
While specific creditor information might not always be disclosed, knowing you have an outstanding balance with such organizations can help you address potential issues.
It's essential to pull your three-bureau credit report to see the complete picture of what might be adversely affecting your credit score. This report will reveal any debts collected by Allied Account Services and provide clarity on your financial standing.
How Do I Stop Allied Account Services From Calling Me?
To stop Allied Account Services from calling you, consider blocking their number using a spam-blocking app available on both Android and Apple devices. You can also opt for features on your phone that allow you to silence all unknown callers.
Additionally, you may change your phone number without needing to contact Allied directly, which keeps them from reaching you.
If you're looking for something less drastic, remember that you can ignore their calls entirely. Debt collectors often stop contacting you if they cannot reach you or fail to validate the debt they claim you owe.
Finally, for a more thorough solution, we recommend reaching out to a reputable credit repair company for support. This could include a comprehensive credit report analysis and an actionable plan to get rid of this harassment, ensuring it doesn’t become a long-term issue for you.
How Do I Dispute (And Remove) Allied Account Services On My Report That I Believe Is Inaccurate?
To dispute and remove Allied Account Services from your credit report, follow these detailed steps.
First, pull your three-bureau credit report (from Experian, TransUnion, and Equifax) to identify if the account is inaccurately reported. Look for any discrepancies like wrong account balances or incorrect personal information.
Next, if you find inaccuracies, send a verification letter to Allied Account Services requesting proof that the debt is legitimately yours. You have the right to demand validation under the Fair Debt Collection Practices Act (FDCPA). Attach any supporting documents like the credit report showing the errors and a copy of your identification.
After that, consider working with a reputable credit repair company. They can help you draft and send calculated dispute letters to the credit bureaus, which may assist in removing the inaccurate debt. This is crucial as many credit reports contain errors (79% according to a U.S. PIRGs study).
Finally, remember to keep a record of all your communications. Tracking your dispute process will bolster your case should you need to escalate the issue. Follow these steps to effectively dispute any inaccuracies from Allied Account Services and enhance your credit standing.
Can'T I Just Ignore Allied Account Services (Pros And Cons)?
Ignoring Allied Account Services isn’t the best choice. While it might seem easier to avoid their calls or letters, this can have real consequences. Here are some pros and cons of ignoring them:
Pros:
- Temporary Peace: You might feel relief from the stress of dealing with calls and letters.
- Delay Action: You could buy time while considering your options.
Cons:
- Persistent Contact: They may continue calling from different numbers, making ignoring them ineffective.
- Credit Score Impact: The debt can remain on your credit report, damaging your score for years (potentially affecting your ability to secure loans).
- Legal Action Risks: Ignoring them could lead to lawsuits or wage garnishments, which can escalate your financial burden.
In short, it's unwise to ignore Allied Account Services. It’s better to confront the situation, understand your rights, and explore your options for resolution.
Allied Account Services Contact Info (Phone # And Address)?
For Allied Account Services, the contact information you need is as follows: the phone number is 1-888-925-2559. Unfortunately, we could not find a specific physical address associated with them.
It's important to be cautious since debt collectors often utilize various local numbers to contact you, which can lead to confusion. We strongly recommend that you refrain from reaching out to them directly.
Instead, checking your credit report through the three major bureaus may provide better insight into your situation, and we can even offer a free analysis for you!
Why Is Allied Account Services Calling Me If They'Re Not On My Credit Report?
If Allied Account Services is calling you despite not appearing on your credit report, it may indicate a few scenarios worth considering. First, they could be attempting to collect a debt that has not yet been reported, perhaps due to a recent transfer from the original creditor. If this is the case, they are still required to provide validation information within five days of contacting you, as mandated by the Fair Debt Collection Practices Act (FDCPA).
Another possibility is that the debt might be unreported due to clerical errors or inaccuracies. You have the right to dispute any discrepancies under the Fair Credit Reporting Act (FCRA). In cases of mistaken identity or identity theft, once you notify them, they should cease collection activities until they verify the debt, or failing to do so could violate the FDCPA.
Moreover, you could be on the receiving end of calls related to a debt that might have multiple collectors involved. It’s important to remember that each collector must provide proper validation and cannot misrepresent the debt. If they fail in this regard, consequences arise under federal law.
To sum up, Allied Account Services calling you while not being on your credit report can stem from multiple reasons, and as a consumer, you have rights to seek clarification and resolution.
How Do I Verify (E.G. Proof Of Debt) If I Actually Owe This Debt From Allied Account Services Or Not?
To verify whether you owe a debt to Allied Account Services, follow these steps. First, request a debt validation letter from them if you haven't received one yet. This letter is required by law and details the amount owed, the original creditor, and your rights. If they initially contacted you by phone, ask for all communication to be sent in writing, as they must provide this within five days.
Once you receive the validation letter, check the details carefully. If you believe the debt isn’t yours or you wish to dispute it, you have 30 days from receipt to respond in writing. In your letter, request specific information regarding the debt, like the original creditor and validation of the balance. Make sure to send this via certified mail for your records.
Lastly, remember that under the Fair Debt Collection Practices Act (FDCPA), you have the right to request verification, and debt collectors must pause collection efforts until they respond to your dispute. If you need assistance navigating this process or if you believe your rights have been violated, we (The Credit Pros) can help. To recap, you must request a validation letter, review the details, and respond accordingly within 30 days to verify any debt claimed by Allied Account Services.
Does Allied Account Services Hurt My Credit Score If It'S On My Report?
Yes, having Allied Account Services on your credit report will hurt your credit score. When this debt collection agency appears on your report, it indicates that you have an unpaid balance that has been handed over to collections, which reflects negatively on your financial history.
This negative entry can lower your score significantly as it impacts your payment history, a crucial component of credit scoring. Collections can remain on your credit report for up to seven years, continuously pulling down your score during that time.
Even if you pay off the debt, it may still be reported as "settled" or "paid for less than the full balance," which can further harm your credit. Therefore, it's important to address any outstanding debts and seek to resolve them as soon as possible. Always remember, the sooner you act, the better for your financial wellbeing.
Will Paying This Debt From Allied Account Services Remove It From My Credit Report?
Paying your debt to Allied Account Services won't necessarily remove it from your credit report. While settling the debt updates its status from 'unpaid' to 'paid', the collection account remains on your credit report for seven years from the original delinquency date. Consequently, this means that your credit can still be negatively impacted, even after you've made a payment.
When you decide to pay, you may feel a sense of relief, but it's crucial to understand that the credit report will still reflect the negative mark. The impact on your credit score can vary-it might help in some cases, but there’s also a chance it could hurt your score due to different factors at play.
If you’re considering options, you might explore the concept of 'pay for delete'. This is when a debt collector agrees to remove the collection account in exchange for payment. However, doing this can lead to complications. Many collectors do not adhere to this practice, so there's no guarantee it will work.
Instead of paying off the debt without a strategy, we recommend consulting with a credit repair company. They can help navigate the complex process, check for inaccuracies, and potentially dispute negative items on your report. Remember, having Allied Account Services listed can hurt your ability to secure loans, so taking proactive steps to address it is essential for your financial health.
Should I Negotiate With Allied Account Services And 'Settle' To Pay This Debt?
Deciding whether to negotiate with Allied Account Services (AAS) and settle your debt requires careful consideration. Settling may seem appealing, but it often backfires. When you negotiate a settlement, your credit report will reflect this as a "settled" account, which can remain for up to seven years. This can negatively impact your credit score and future borrowing abilities.
Even if you settle for an amount less than you owe (especially if it's under $100), that negative mark stays on your record. It's a bit like putting a band-aid on a wound-it might cover it temporarily, but it doesn't fix the problem. Instead of negotiating with AAS, consider addressing the underlying issues affecting your credit report.
We highly recommend seeking advice from credit counseling services. They can help you evaluate your 3-bureau report and assist in developing a strategy to improve your credit standing. Remember, settling doesn’t erase the past; it just alters its visibility. Focus on long-term credit recovery instead of short-term fixes.
Does Allied Account Services On My Report Hurt My Ability To Get Credit/Loans In The Future?
Yes, having Allied Account Services listed on your credit report can hurt your ability to get credit or loans in the future. When a collection agency appears on your report, it signals to lenders that you have overdue debts, which negatively impacts your credit score. This lowered score can reduce your chances of securing loans or credit approvals.
Consider these key points:
• Credit Score Impact: Collections can significantly lower your credit score, affecting your financial options.
• Duration of Negative Effect: Even after settling the debt, the collection can stay on your report for up to seven years.
• Lender Perception: Lenders may view a collection account as a red flag, indicating potential risk in lending to you.
Addressing your collections account by making payments or negotiating for removal is crucial. Improving your overall credit habits can also help mitigate this impact over time. Overall, it’s essential to take proactive steps to manage your credit report and maintain good financial health.
Should I Consider A 'Pay For Delete' Option With Allied Account Services?
Considering a 'pay for delete' option with Allied Account Services can be worth it, particularly if your debt is small (under $100). This strategy allows you to negotiate with the collection agency to have the debt removed from your credit report in exchange for payment. However, it’s crucial to note that even if you pay the debt, it may still show as 'paid' rather than 'deleted,' impacting your credit score for up to seven years.
Before moving forward, evaluate your overall credit report. Pull your three-bureau credit report to identify any other negative items that could be removed or disputed. Keep in mind, while a 'pay for delete' agreement is not illegal, it is often hard to enforce. The collection agency may agree verbally but could fail to uphold the agreement post-payment, leaving you without legal recourse.
Additionally, weigh the long-term benefits and drawbacks. Settling a debt might give you peace of mind, but it doesn't erase the past delinquency. If your financial situation allows, and you feel confident in negotiating, then pursuing a 'pay for delete' might be a reasonable step. If not, exploring other options for addressing debts may be more beneficial.
In short, a 'pay for delete' can be a viable option depending on your circumstances and the amount owed.
Can I Send A 'Goodwill' Letter To Allied Account Services And Ask Them To Remove This Debt?
Yes, you can send a 'goodwill' letter to Allied Account Services and request them to remove the debt. A goodwill letter is a polite appeal where you acknowledge your past missteps and explain why you’d like the negative entry removed, such as financial hardships or mistakes. It's important to emphasize any steps you've taken since to maintain good credit behavior, as this can help build your case.
However, keep in mind that while goodwill letters can occasionally work, they are not guaranteed to be successful. Most debt collectors are not inclined to remove a derogatory mark just because you ask-so temper your expectations. You might see better results if the account in question is inaccurate or if it violates any terms, as such issues can bolster your argument for removal.
To increase your chances, ensure your letter is well-written and personal. Mention how the negative report affects your financial situation and express appreciation for any consideration they might give your request. Remember, while it may not always yield positive results, sending a goodwill letter can be a step towards improving your credit score.
Allied Account Services Reviews And Complaints From Real Customers
Allied Account Services has received varied reviews and numerous complaints from real customers. Many consumers have reported issues with harassment and inadequate communication, directly citing violations of the Fair Debt Collection Practices Act (FDCPA). Specifically, they have noted instances where Allied Account Services failed to provide sufficient information to verify debts or discussed debts with third parties, leading to a lack of trust (see 2-3 complaints per agency complaint channels).
The Better Business Bureau (BBB) recognizes Allied Account Services, which holds an A+ rating, but there are 2 BBB consumer complaints and 28 complaints filed with the Consumer Financial Protection Bureau (CFPB). Reviews often highlight the company’s practices as aggressive (e.g., multiple calls without clarification). Real customers express frustration over their negative credit reporting, with complaints mentioning that the company refuses to remove disputed entries even when proven inaccurate.
If you’re facing similar challenges with Allied Account Services, it’s essential to know your rights. Engaging with a consumer rights advisor could empower you to navigate the complexities of your situation effectively. Overall, while Allied Account Services is a legitimate business, their practices frequently attract serious complaints from the public.
What Are My Rights When Dealing With Debt Collectors Like Allied Account Services?
When dealing with debt collectors like Allied Account Services, you have specific rights under the Fair Debt Collection Practices Act (FDCPA). First and foremost, you have the right to receive clear information about the debt (including the amount owed and the original creditor) within five days of the first contact. If you dispute this debt in writing within 30 days, they must stop collection efforts until they verify the debt.
Additionally, you can limit communication by requesting that they only contact you during reasonable hours (between 8 a.m. and 9 p.m.) and stop communicating altogether if you choose. Remember, you can also protect your privacy; debt collectors are only allowed to contact third parties to obtain your address or phone number, and they cannot discuss your debt with them.
It's crucial to know that you are protected from harassment. Debt collectors cannot use abusive language, threaten you, or call excessively. If you feel your rights have been violated, you have the right to sue for damages within one year of the violation.
Finally, it’s worth noting that individual states may have additional protections, so familiarize yourself with local laws as well. Recapping, understanding your rights can empower you to handle debt collector interactions confidently.
Can Allied Account Services Contact My Family Or Employer About My Debt?
Allied Account Services cannot contact your family or employer about your debt without following strict legal guidelines. According to the Fair Debt Collection Practices Act (FDCPA), they may only reach out to others to gather your contact information, but they cannot discuss the details of your debt with anyone except you or specified individuals, like your spouse or attorney.
This means they cannot openly discuss your financial situation with family members or your employer. If they accidentally contact a family member, it should be for the purpose of finding your contact details, not to disclose information about your debt. If you have instructed them not to contact specific individuals, and they do so anyway, this could be a violation of your rights under the FDCPA. You have the right to limit their communications and can ask them, in writing, to cease contacting you altogether.
Generally, it’s essential to know that while debt collectors can take certain steps to reach you, they must adhere to the law and maintain your privacy. Remember, protecting your personal information is a priority, and you have the right to advocate for your privacy in financial matters.