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How to Remove Accelerated Collection Service From your Credit Report

Last updated 07/03/2024 by

Silas Bamigbola

Edited by

Fact checked by

Accelerated Collection Service is a debt collection agency that can impact your credit score. This comprehensive guide explains who they are, how they operate, and strategies to handle and potentially remove their collection account from your credit report.
Accelerated Collection Service is a well-known debt collection agency that might appear on your credit report. This can be troubling as it affects your credit score and financial opportunities. This article will guide you through understanding their operations, the impact on your credit score, and actionable steps to remove them from your credit report.

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Who is Accelerated Collection Service?

Accelerated Collection Service, Inc. is a debt collection agency that either purchases debts from original creditors or collects debts on behalf of other companies. They are known for their aggressive tactics in pursuing debt repayment, which can include frequent calls and letters. Their presence on your credit report can be detrimental to your credit score, making it crucial to address any inaccuracies or disputes promptly.

How Accelerated Collection Service affects your credit score

A collection account from Accelerated Collection Service can significantly lower your credit score. According to the Fair Credit Reporting Act (FCRA), such negative entries can remain on your report for up to seven years. Even if you pay off the debt, the collection mark remains, although it will be marked as “paid.” This still impacts your ability to secure loans or credit at favorable rates.

Steps to remove Accelerated Collection Service from your credit report

1. Verify the debt

Request a debt validation letter from Accelerated Collection Service. This letter should include details about the debt, including the original creditor, the amount owed, and proof that they have the right to collect the debt.

2. Dispute inaccuracies

If you find any inaccuracies in the debt information, dispute them with the credit bureau. Under the FCRA, they are required to investigate and correct any errors.

3. Negotiate a pay-for-delete agreement

In some cases, you can negotiate with Accelerated Collection Service to remove the collection account from your report in exchange for payment. This agreement should be in writing before making any payments.

4. Seek professional help

Consider hiring a credit repair company to assist you in disputing and removing the collection account.

Pro Tip

Always keep records of all communications with Accelerated Collection Service and the credit bureaus. This documentation can be crucial in resolving disputes.

Request all correspondence in writing

Ensure a documented record of communications with Accelerated Collection Service by requesting written correspondence. Contact Accelerated Collection Service at the following address:
Accelerated Collection Service contact information
1209 Central Ave S #210, Kent, WA 98032
Ph# +1 253-735-3200

Understanding your rights

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair practices and ensure that you can dispute inaccurate or fraudulent information on your credit report. Knowing your rights can empower you to take the necessary steps to protect your credit score.

Pro Tip

Before paying off any debt, ensure that you have a written agreement from Accelerated Collection Service to remove the collection account from your credit report.

How to file a complaint against them

If you believe Accelerated Collection Service has violated your rights or engaged in unethical practices, you can file a complaint against them. Here are the steps you can take:
  1. Contact the Consumer Financial Protection Bureau (CFPB) through their online complaint form.
  2. Submit a complaint to the Federal Trade Commission (FTC) using their complaint assistant.
  3. Reach out to your state’s Attorney General’s office to report any issues.

What to do if Accelerated Collection Service contacts you

Receiving a call or letter from Accelerated Collection Service can be stressful. Here are the steps you should take if they contact you:
  • Do not panic and remain calm.
  • Ask for written validation of the debt.
  • Keep a record of all communications.

How to dispute a debt with Accelerated Collection Service

Disputing a debt with Accelerated Collection Service can help remove inaccuracies from your credit report. Here’s how to initiate the dispute process:
  1. Write a dispute letter to Accelerated Collection Service.
  2. Provide copies of any evidence that supports your dispute.
  3. Send the dispute letter via certified mail with a return receipt requested.

How to negotiate a settlement with Accelerated Collection Service

Negotiating a settlement with Accelerated Collection Service can help you resolve the debt for less than the full amount owed. Follow these steps to negotiate effectively:
  • Review your finances and determine what you can afford to pay.
  • Contact Accelerated Collection Service and propose a settlement amount.
  • Ensure that any settlement agreement is in writing before making a payment.


Dealing with Accelerated Collection Service can be stressful, but understanding your rights and options can help you manage the situation effectively. By verifying the debt, disputing inaccuracies, and considering professional help, you can take steps to remove their collection account from your credit report and improve your financial health.

Frequently asked questions

Is Accelerated Collection Service a legitimate company?

Yes, Accelerated Collection Service is a legitimate debt collection agency. They operate within the bounds of the law, but their tactics can sometimes be aggressive.

Can I ignore calls from Accelerated Collection Service?

Ignoring calls might provide temporary relief, but it doesn’t resolve the issue. It’s better to address the debt by verifying its accuracy and disputing any errors.

Will paying off the debt improve my credit score?

Paying off the debt will change the status to “paid,” but the collection account will still remain on your credit report for seven years from the date of first delinquency.

Can Accelerated Collection Service sue me?

While it’s uncommon, they can sue you for the debt. It’s important to respond to any legal notices and consider seeking legal advice if you’re unsure how to proceed.

Key takeaways

  • Verify the debt before taking any action.
  • Dispute any inaccuracies with the credit bureaus.
  • Consider negotiating a pay-for-delete agreement.
  • Understand your rights under the FDCPA and FCRA.
  • Seek professional help if needed to navigate the process.

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