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Get ARS Account Resolution Services Off Your Credit Report

Last updated 07/03/2024 by

Silas Bamigbola

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Summary:
ARS Account Resolution Services is a debt collection agency that impacts your credit score. Understanding their practices, how to handle them, and your rights can help mitigate their effects. This guide covers everything from disputing inaccuracies to negotiating settlements and the legal framework governing their operations.
ARS Account Resolution Services (ARS), a division of Healthcare Revenue Recovery Group, LLC (HRRG), is a debt collection agency that might be affecting your credit report. Whether they purchased your debt or are collecting on behalf of another company, dealing with them can be stressful. This article aims to provide you with comprehensive information on ARS, including who they collect for, how they impact your credit score, and what steps you can take to address their presence on your credit report.

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What is ARS Account Resolution Services?

ARS Account Resolution Services (ARS) is a debt collection agency that either buys debts from original creditors at a reduced price or collects on behalf of other companies. They attempt to recover unpaid debts through phone calls and mail, and their collection accounts can appear on your credit report, significantly impacting your credit score.

How they acquire debts

  • Purchasing debts: ARS buys debts from original creditors at a fraction of the original amount owed.
  • Collecting for others: In some cases, they are hired to collect debts without owning them.

The impact of ARS Account Resolution Services on your credit score

Having ARS Account Resolution Services (ARS) listed on your credit report can lower your credit score, making it difficult to obtain loans or other financial products. The severity of the impact depends on various factors, including the age of the debt and its status.

How collections affect your credit

  • Negative mark: Any derogatory mark can severely impact your credit score.
  • Collections account: Similar to other negative marks, a collections account can stay on your report for up to seven years.
When a collections account is added to your credit report, it signifies that the original creditor has given up trying to collect the debt and has either sold it to a collection agency or hired a collection agency to recover it. This mark can have a substantial negative effect on your credit score, which can drop significantly once the collection account appears. Additionally, it may affect your ability to secure new credit or loans, as lenders view collections as a sign of financial instability.

Pro Tip

Regularly monitor your credit report to catch and dispute any inaccuracies promptly.

Removing ARS Account Resolution Services from your credit report

Removing ARS Account Resolution Services (ARS) from your credit report can be challenging but not impossible. You have several options, including disputing inaccuracies, negotiating settlements, and seeking professional help.

Disputing inaccuracies

According to a study by the U.S. PIRGs, 79% of credit reports contain errors. If you find incorrect or fraudulent information related to ARS, you can dispute it with the credit bureaus.
Steps to dispute:
  1. Obtain your credit report from all three major bureaus.
  2. Identify inaccuracies related to ARS.
  3. File a dispute with each bureau, providing evidence to support your claim.

Negotiating settlements

Negotiating a settlement can sometimes result in the debt being marked as “paid” on your credit report, which is better than an unpaid mark but still not ideal.
Pros and cons of settling:
  • Pros: May stop collection efforts and lawsuits.
  • Cons: The collection mark remains on your report, affecting your score.

Professional help

Seeking assistance from a credit repair specialist can be beneficial. These professionals can help you navigate disputes and negotiations, potentially increasing your chances of success.

Pro Tip

Consulting a credit repair professional can save you time and stress, especially if dealing with multiple collection accounts.

Legal rights and protections

When dealing with ARS, it’s crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

Fair Debt Collection Practices Act (FDCPA)

The FDCPA protects consumers from abusive collection practices. Key protections include:
  • Communication restrictions: Collectors cannot call before 8 AM or after 9 PM.
  • Harassment prohibition: Repeated, continuous calls or threats are not allowed.
  • Validation of debt: You have the right to request a debt validation letter within 30 days of the initial contact.

Fair Credit Reporting Act (FCRA)

The FCRA ensures the accuracy and privacy of information on your credit report. Key protections include:
  • Dispute errors: You can dispute incorrect information on your credit report.
  • Limit access: Only authorized persons or entities can access your credit report.

Request all correspondence in writing

Ensure a documented record of communications with ARS by requesting written correspondence. Contact ARS at the following address:
ARS contact information
PO Box 459079, Sunrise, FL 33345-9079
Ph# +1 888-572-3987

How to file a complaint against ARS Account Resolution Services

If ARS violates your rights or engages in unethical practices, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office. Here are the steps:
Steps to file a complaint:
  1. Gather documentation of all interactions and violations.
  2. Visit the CFPB’s complaint page or your state attorney general’s website.
  3. Submit your complaint with all supporting evidence.

Handling ARS calls and correspondence

Handling calls and letters from ARS requires a strategic approach. Here are some tips to manage their communication effectively.

Keep records

Maintain a detailed log of all interactions with ARS, including dates, times, and the content of conversations. This can be useful if you need to dispute their claims or take legal action.

Cease and desist letter

If ARS’s communication becomes too aggressive or harassing, you can send a cease and desist letter. This legally requires them to stop contacting you, except to inform you of specific actions like filing a lawsuit.

Conclusion

Dealing with ARS Account Resolution Services can be stressful, but understanding your rights and options can help you manage the situation effectively. Whether disputing inaccuracies, negotiating inaccuracies, or seeking professional help, taking proactive steps can mitigate the negative impact on your credit score.

Frequently asked questions

What is ARS Account Resolution Services?

ARS Account Resolution Services (ARS) is a debt collection agency that either purchases debts from original creditors at a reduced price or collects on behalf of other companies. They attempt to recover unpaid debts through phone calls and mail, and their collection accounts can appear on your credit report, significantly impacting your credit score.

How does ARS affect my credit score?

Having ARS listed on your credit report can lower your credit score, making it difficult to obtain loans or other financial products. Collections accounts can stay on your report for up to seven years, and their presence signifies financial instability to potential lenders.

Can I remove ARS from my credit report?

Yes, it is possible to remove ARS from your credit report. You can dispute inaccuracies with the credit bureaus, negotiate settlements, or seek professional help from credit repair specialists. Each method has its pros and cons and may vary in effectiveness.

Should I negotiate a settlement with ARS?

Negotiating a settlement can sometimes result in the debt being marked as “paid” on your credit report, which is better than an unpaid mark but still not ideal. The collection mark remains on your report, affecting your score. Consider the pros and cons before deciding to settle.

How do I file a complaint against ARS?

If ARS violates your rights or engages in unethical practices, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office. Gather documentation of all interactions and violations, and submit your complaint with supporting evidence.

What are my rights under the FDCPA and FCRA?

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect consumers from abusive collection practices and ensure the accuracy of credit reports. You have the right to request validation of debts, dispute errors, and limit access to your credit report.

How can I contact ARS?

You can contact ARS Account Resolution Services for written correspondence at PO Box 459079, Sunrise, FL 33345-9079. For payments, you can send mail to PO Box 630806, Cincinnati, OH 45263-0806. The toll-free phone numbers are (844) 729-2772 and (800) 694-3048.

Key takeaways

  • ARS Account Resolution Services is a legitimate debt collection agency that can impact your credit score.
  • Disputing inaccuracies and negotiating settlements are viable options to handle ARS.
  • Understanding your legal rights under FDCPA and FCRA can protect you from abusive practices.
  • Professional credit repair services can provide valuable assistance in dealing with ARS.

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