Don't let errors on your Credit Report hurt your future opportunities. Learn More

Home / Debt Collection Brands / How to get Consumer Adjustment Company (CAC) off my credit report

How to get Consumer Adjustment Company (CAC) off my credit report

  • Consumer Adjustment Company may report inaccurate debts, which lowers your credit score and creates frustration.
  • A lower score limits your ability to get loans, mortgages, better interest rates, and even job opportunities.
  • Call The Credit Pros to review your full 3-bureau credit report and create a plan to improve your credit score.

Pull your 3-bureau report and don't let this debt collector cause problems for you.

Get Help From a Credit Expert

89 people started their credit fight today - join them!

BBB A+ rating credit repair company

Related content: asset recovery solutions

Consumer Adjustment Company (CACI) shows up on your credit report as a debt collector for unpaid debts. This can impact your credit score and might feel overwhelming. Take a moment to breathe. Understanding your rights and options is crucial to tackling this situation head-on.

Start by pulling your complete 3-bureau credit report to identify any inaccuracies. Disputing errors can help protect your score. If CACI is contacting you even when they don’t appear on your report, they may have new or unreported debts. Ignoring them can lead to more headaches down the line, as this issue can linger and escalate further if not addressed.

The best way to navigate this is to give The Credit Pros a call. We can help you evaluate your credit report and create a tailored plan just for you. No pressure, just a straightforward conversation to find the best way forward. Don't wait - taking action now can prevent further damage to your credit.

On This Page:

    Why Is Consumer Adjustment Company On My Credit Report?

    Consumer Adjustment Company appears on your credit report because they are a debt collection agency attempting to recover unpaid debts from you. This usually indicates that a creditor, such as a previous lender or service provider, has sold your overdue account to them after unsuccessful attempts to collect the amount. Consequently, this entry on your report can negatively impact your credit score, suggesting financial difficulties in your payment history.

    You may not be obligated to pay this debt right away. First, it's crucial to verify its legitimacy—ensure the details align with your records. If there's any discrepancy, you have the right to dispute the entry with the credit bureaus (a step you should consider before engaging with Consumer Adjustment Company).

    Keep in mind that collection accounts can linger on your credit report for up to seven years, continuously affecting your score.

    To recap, seeing Consumer Adjustment Company on your credit report typically means they are pursuing a past-due debt, which can harm your credit score, but verifying the debt's accuracy is a vital first step.

    Is Consumer Adjustment Company Legit Or A Scam (E.G. Fake)?

    Consumer Adjustment Company (CACI) raises concerns due to its mixed reputation. While it's legally allowed to collect debts, many report it uses aggressive tactics that some deem deceptive. In fact, according to the Better Business Bureau, CACI has faced over 1,100 complaints in the past three years, indicating a pattern of dissatisfaction from consumers.

    To determine if CACI is legit or a scam, you should verify the debt they are claiming. Legitimate collectors will provide verifiable details about the debt and their agency. If CACI is asking for payments quickly or using high-pressure tactics, this could be a red flag signaling potential scams. Remember, "a penny saved is a penny earned"-take your time to assess the situation carefully.

    Be aware that scams often involve threats or intimidation, characteristics that are not permitted by law. If you suspect CACI is using such methods, or if they seem hesitant to provide you with information, it's wise to proceed with caution. As always, ensuring your rights are respected is paramount when dealing with debt collectors like CACI.

    Which Company Does Consumer Adjustment Company Collect Debt For?

    Consumer Adjustment Company (CACi) collects debt primarily for a variety of creditors including healthcare service providers, utility service companies, financial institutions (like banks and credit unions), and education lenders.

    While it can be challenging to identify the specific companies they represent at any given time due to the frequent changes in their debtor relationships, you should be aware that CACi specializes in collecting overdue accounts that creditors have previously given up on, often referred to as charge-offs.

    If you're seeing them on your credit report, it’s crucial to pull a complete 3-bureau credit report to better understand what could potentially be impacting your credit score.

    Remember, whether you know the specific company or not, it's essential to address any outstanding debts promptly. This proactive approach can help mitigate further damage to your credit.

    How Do I Stop Consumer Adjustment Company From Calling Me?

    To stop Consumer Adjustment Company (CACi) from calling you, begin by blocking their number on your phone. Most smartphones allow you to easily block incoming calls from specific numbers. Consider downloading a call-blocking app for additional protection if necessary.

    Next, register your phone number on the National Do Not Call Registry. This can significantly reduce unsolicited calls. You may also want to consider using a call-filtering feature on your phone, which automatically screens unknown or suspicious numbers.

    If these methods do not provide relief, you might want to consult a reputable credit repair company, like The Credit Pros. They can help you analyze your credit report and devise a tailored action plan to address CACi’s calls effectively.

    Remember, you have rights under the Fair Debt Collection Practices Act. You can send a written request to CACi asking them to cease communication, which they are required to honor. By taking these actions, you can regain control over your phone and reduce the stress of persistent calls.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Dispute (And Remove) Consumer Adjustment Company On My Report That I Believe Is Inaccurate?

    To dispute and remove the Consumer Adjustment Company (CACi) from your credit report that you believe is inaccurate, start by pulling your comprehensive credit report from all three bureaus (Equifax, Experian, TransUnion). Check for any inaccuracies related to CACi. If you spot errors, send a verification letter to them, clearly stating your reasons and including any supporting documentation. This step is crucial, as it prompts CACi to provide evidence that validates the debt.

    Next, contact the credit reporting agencies directly to dispute the inaccuracies. Each agency must investigate your claim and respond within a set timeframe. If they conclude the information is indeed incorrect, they must remove it from your report. However, if they uphold the debt validity, you may need to escalate your dispute.

    Consider reaching out to a reputable credit repair company for assistance in crafting effective dispute letters and employing strategies to potentially eliminate the erroneous debt.

    Recall, you have every right to contest inaccuracies on your credit report. Keeping your credit history accurate is essential for maintaining a good score and future loan eligibility. Act swiftly and precisely to safeguard your financial standing.

    Can'T I Just Ignore Consumer Adjustment Company (Pros And Cons)?

    Ignoring the Consumer Adjustment Company (CACi) may seem tempting, but it can lead to significant drawbacks. Firstly, while you might block their calls, that alone won't stop them from reaching out through different numbers.

    Secondly, ignoring them means the debt can stay on your credit report for up to seven years, potentially causing long-term damage to your credit score. This could hinder your ability to secure loans or even obtain housing.

    Moreover, your stress levels might increase as the debt situation remains unresolved. A lack of communication can also lead to more aggressive collection tactics, including possible legal actions. If you choose to ignore CACi, you risk your debt growing due to added late fees and interest, compounding your financial troubles.

    So, while you can ignore them, it’s better to directly address the debt to avoid future problems. Resolving the situation proactively is often the most effective approach.

    Consumer Adjustment Company Contact Info (Phone # And Address)?

    To reach the Consumer Adjustment Company (CACI), you can contact them at the following phone number and address:

    - Phone Number: (314) 729-1133
    - Address: 12855 Tesson Ferry Rd, St. Louis, MO 63128

    Be cautious, as debt collectors like CACI often use multiple localized numbers to call you, making it easy to miss their actual number.

    We recommend not initiating contact with them. Instead, consider pulling your three-bureau credit report for a thorough analysis-we offer this service for free to help you understand your situation better.

    Remember, staying informed is key to handling debt effectively.

    Why Is Consumer Adjustment Company Calling Me If They'Re Not On My Credit Report?

    Consumer Adjustment Company (CACI) may call you even if they're not on your credit report due to various reasons related to debt collection practices. First, it's possible that they have acquired a debt recently that has not yet been updated with the credit bureaus. Sometimes, debts are transferred between collectors and may take time to reflect on your report.

    In some cases, CACI might be contacting you regarding a debt that simply hasn't been reported to the credit bureaus, which doesn't constitute a violation of laws like the Fair Debt Collection Practices Act (FDCPA). However, if they fail to provide you with validation of the debt when you dispute it, this could violate your rights.

    Another possibility involves errors-if your debt arises from identity theft or a mix-up, the collector must stop calling unless they can verify the debt. It's essential to remain proactive and ask for written verification of any claimed debt to safeguard your rights.

    In short, if Consumer Adjustment Company is calling you without a report entry, it might relate to recent acquisitions, unreported debts, or errors in records. Make sure to document all communications and seek validation if needed.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Verify (E.G. Proof Of Debt) If I Actually Owe This Debt From Consumer Adjustment Company Or Not?

    To verify if you actually owe a debt to Consumer Adjustment Company (CACI debt collector), start by requesting a debt validation letter. This letter should detail the amount you owe, the name of the original creditor, and the nature of the debt. Under the Fair Debt Collection Practices Act, you have the right to ask for this proof within 30 days of their first communication with you.

    Next, carefully examine the information provided. Compare the debt amount and creditor details against your records to see if they align. If you find discrepancies or lack supporting documentation, you can dispute the validity of the debt. Send a written request to CACI, including your reasons for disputing the debt and any supporting evidence you may have. This will prompt them to either correct the claim or provide more proof.

    If necessary, consult with a credit repair company like The Credit Pros for assistance through this process. They can help you navigate your options and provide guidance on resolving incorrect debts.

    In short, you can verify your debt by requesting validation, examining the details, and disputing inaccuracies.

    Does Consumer Adjustment Company Hurt My Credit Score If It'S On My Report?

    Yes, having Consumer Adjustment Company (CACi) on your credit report will likely hurt your credit score. When a debt collection agency like CACi is listed, it indicates outstanding debts that you have failed to pay, which negatively impacts your payment history-a key component of your credit score. This negative mark can stay on your report for up to seven years, continually dragging down your score.

    Additionally, your ability to secure loans or obtain credit can be significantly impaired due to this negative entry. In fact, many lenders view collections accounts unfavorably and may reject applications from individuals with such entries, possibly affecting your chances of financial approval.

    To minimize this impact, you might consider disputing inaccuracies in your report or working on negotiating the debt. It’s essential to be proactive in these situations. Overall, having Consumer Adjustment Company on your report is detrimental to your credit score, highlighting the importance of addressing any outstanding debts promptly.

    Will Paying This Debt From Consumer Adjustment Company Remove It From My Credit Report?

    Paying your debt to Consumer Adjustment Company (CACi) won’t automatically remove it from your credit report. When you pay a debt in collections, the status changes from 'unpaid' to 'paid', but the negative entry typically remains for seven years from the original delinquency date. This means even after you pay, your credit report might still show a paid collection, which could continue to impact your credit score negatively.

    Many individuals mistakenly believe that settling a debt will improve their credit score, but this isn't guaranteed. It may help your score in some situations, but it can also have the opposite effect, depending on various factors like your overall credit profile and the remaining debts. Instead, you might consider disputing any inaccuracies on your report or seeking assistance from a credit repair company, like The Credit Pros, that can help review your credit details and handle the necessary disputes.

    By focusing on identifying inaccuracies or questionable charges associated with Consumer Adjustment Company, you can potentially remove harmful entries altogether, which could lead to an improved credit situation. To recap, paying the debt won't remove it from your credit report; instead, a better strategy may involve working with professionals to challenge inaccuracies and potentially remove negative items.

    Should I Negotiate With Consumer Adjustment Company And 'Settle' To Pay This Debt?

    You should be cautious about negotiating with Consumer Adjustment Company (CACI) to settle your debt. Settling debt might seem tempting, but it can have long-term consequences. Instead of helping your credit score, settling often leaves a negative mark on your report and may still impact your ability to secure future loans.

    Consider the following points before deciding to negotiate:

    • Settling may not remove the debt from your credit report. Even if you pay a lower amount, the collection entry could remain for up to seven years.

    • Your credit score may still suffer after settling. Lenders see a settled debt as less than a Paid in Full status, which can hinder your financial options down the road.

    • Negotiating could lead to further complications. Without proper documentation, you might find yourself in disputes over payment terms.

    If your debt is less than $100, it’s typically not worth the hassle. For larger amounts, it's better to explore other solutions, like consulting a non-profit credit counselor who can help you manage your debts without risking a settlement that could backfire.

    Remember, tackling debts head-on, rather than negotiating with CACI, might be the more prudent path to financial recovery.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Does Consumer Adjustment Company On My Report Hurt My Ability To Get Credit/Loans In The Future?

    Yes, having Consumer Adjustment Company (CACi) on your credit report can hurt your ability to get credit or loans in the future. When a debt collection agency like CACi appears on your report, it signifies that you have unpaid debts, which raises a red flag for potential lenders, indicating a higher credit risk. This negative mark can impact your credit score significantly-sometimes even leading to triple-digit reductions.

    A collections account typically remains on your credit report for up to seven years. During this time, it can drag down your score and make it more challenging to secure loans, mortgages, or favorable interest rates. Lenders often view it as a sign of financial struggle, affecting their decision to approve your application. Therefore, it's wise to address any outstanding debts with Consumer Adjustment Company as part of your overall credit recovery strategy.

    If you discover an entry from CACi on your credit report, you should explore options like disputing inaccuracies, negotiating a settlement, or reviewing your rights related to debt collection. Overall, clearing your report of such entries can help you improve your credit situation for future financial opportunities.

    Should I Consider A 'Pay For Delete' Option With Consumer Adjustment Company?

    Considering a 'pay for delete' option with Consumer Adjustment Company (CACI debt collector) can be tempting, but it’s essential to weigh the pros and cons carefully. Generally, this option allows you to negotiate a payment in exchange for the removal of the debt from your credit report. However, you should be aware that while this practice isn’t illegal, it isn’t encouraged by the credit bureaus either, as they require accurate reporting.

    If the debt amount is small (typically less than $100), it might make sense to consider this route; however, it’s vital to obtain a firm written agreement before making any payment. Without this, the agency may keep your payment and still not remove the entry. Plus, even if the collection is marked as paid, it can still negatively impact your credit for up to seven years.

    Before proceeding with a pay-for-delete agreement, ensure you pull a copy of your credit report. This helps you check for any other inaccuracies that could be disputed. In some cases, it may be more beneficial to seek a legitimate debt settlement strategy or consult professionals who specialize in credit remediation for better options.

    All things considered, choosing to negotiate a pay for delete with Consumer Adjustment Company requires careful thought and preparation.

    Can I Send A 'Goodwill' Letter To Consumer Adjustment Company And Ask Them To Remove This Debt?

    Yes, you can send a 'goodwill' letter to Consumer Adjustment Company (CACI) to request the removal of a debt from your credit report. A goodwill letter is a polite request asking them to consider removing a negative mark, often based on your history of timely payments or extenuating circumstances that led to the missed payment.

    However, it's important to understand that this approach potentially works but rarely guarantees results. Most debt collectors, including CACI, aren’t typically inclined to make such adjustments, as they are required to report accurate information. If your account shows a legitimate delinquency, they have no obligation to remove it upon your request. Still, if you've maintained a good payment history and can articulate a reasonable basis for your request, it could be worth a shot.

    Be aware that success stories exist; some consumers have had their requests honored, but this is uncommon. If you decide to go ahead, ensure your letter is concise, clear, and explains your situation well. Keep in mind, many creditors view goodwill letters favorably, especially if they've seen responsible behavior following a lapse.

    To recap, sending a goodwill letter to CACI is possible, and while it may not succeed, it can be a useful step if justified by your credit history.

    Consumer Adjustment Company Reviews And Complaints From Real Customers

    Consumer Adjustment Company (CACI) has faced numerous reviews and complaints from real customers, highlighting serious concerns about their debt collection practices. Many users report aggressive tactics, including incessant calls and threats of public shaming. According to the Better Business Bureau (BBB), CACI has received 1,108 complaints in the last three years, with 642 closed in the last 12 months. Reviews from actual customers average to a low score, reflecting dissatisfaction with their communication and collection methods.

    Several complaints specifically allege that CACI violates the Fair Debt Collection Practices Act (FDCPA) by using misleading information and attempting to collect debts that consumers claim they do not owe. Numerous individuals describe experiences where CACI representatives either misrepresented the amount owed or failed to provide adequate debt verification, compelling customers to question the legitimacy of the debts.

    Overall, if you are experiencing issues with CACI, it is crucial to know your rights. You can request validation of the debt being claimed before taking further action. Remember, fighting back against unjust practices can be crucial to protect not only your finances but your peace of mind.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    What Are My Rights When Dealing With Debt Collectors Like Consumer Adjustment Company?

    When dealing with debt collectors like Consumer Adjustment Company (CACI), it's crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA).

    Firstly, you have the right to receive written notice within five days of the collector's initial contact. This notice must detail the debt amount, the original creditor's name, and your rights regarding disputing the debt. If you dispute the debt in writing within 30 days, the collector must provide verification before continuing collection efforts.

    Secondly, you have the right to limit communications. Debt collectors cannot contact you before 8 a.m. or after 9 p.m. You can request that they stop contacting you through specific methods (such as emails or social media), and they must comply once they receive that request.

    Additionally, they cannot harass you, which includes using threats, abusive language, or misleading statements. If they do, you have the right to sue for damages. If CACI violates these regulations, report them to the Federal Trade Commission (FTC) or your state Attorney General.

    Understanding these rights empowers you to effectively manage interactions with CACI or any debt collector, ensuring you're treated with the respect and fairness mandated by law.

    Can Consumer Adjustment Company Contact My Family Or Employer About My Debt?

    Yes, Consumer Adjustment Company (CACI) can contact your family or employer, but with strict limits. Under the Fair Debt Collection Practices Act (FDCPA), CACI can only reach out to others for your contact information. They cannot discuss your debt with anyone except your spouse, attorney, or someone who co-signed the loan. This ensures your privacy is respected, preventing any potential embarrassment or undue stress on your loved ones.

    You might wonder, how often can they do this? Generally, they can only contact these third parties once to gather your whereabouts. If an acquaintance is told about your debt, that may cross a line into harassment, giving you grounds to take action.

    If you feel CACI has overstepped their boundaries, remember, you have rights. You can formally request that they cease contacting you altogether. They must comply after they receive your cease-and-desist letter.

    In short, while they can reach out to your family or employer, their scope is limited by law to protect your privacy. Understanding these rights can help you manage debt collection communications more effectively.

    Privacy and Cookies
    We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions