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How to Remove Advanced Collection Services From your Credit Report

Last updated 07/03/2024 by

Silas Bamigbola

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Advanced Collection Services is a debt collection agency that may appear on your credit report, impacting your credit score negatively. This article provides a detailed overview of who Advanced Collection Services collects for, how they operate, and ways to handle or remove their collection accounts from your credit report.
Dealing with debt collectors like Advanced Collection Services can be daunting and stressful. When a collection account from such agencies appears on your credit report, it can significantly impact your credit score, affecting your ability to obtain loans or credit. This guide aims to provide you with comprehensive information about Advanced Collection Services, including who they collect for, how to deal with them, and strategies to remove their collections from your credit report.

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Who does Advanced Collection Services collect for?

Advanced Collection Services is a debt collection agency that collects on behalf of various creditors. These creditors can include credit card companies, loan providers, and other financial institutions that have given up on collecting the debt themselves. Typically, collection agencies like Advanced Collection Services buy debts for a fraction of the original amount owed, often for pennies on the dollar. This means they can be quite aggressive in their collection efforts to maximize their profit.

Understanding debt purchasing

When a creditor sells your debt to Advanced Collection Services, they transfer all rights to collect that debt. This transaction is usually at a much lower value than the original debt. For example, a $1,000 debt might be sold for $100. The collection agency then seeks to recover the full amount to make a profit.

Does Advanced Collection Services hurt my credit score?

Yes, any derogatory mark, including a collection account from Advanced Collection Services, can significantly impact your credit score. Collections are considered severe negative entries on your credit report and can lower your score substantially. The impact is especially pronounced if the collection is recent or if you have multiple collections listed.

How collection accounts affect your credit

Collection accounts stay on your credit report for up to seven years from the date of the first delinquency. During this period, they can affect your ability to obtain new credit, secure loans, or even rent an apartment. It’s essential to address these collections promptly to mitigate their impact.

How do I remove Advanced Collection Services from my credit report?

Removing Advanced Collection Services from your credit report can be challenging but not impossible. Here are some strategies to consider:

Dispute inaccuracies

If there are inaccuracies in the collection account, you have the right to dispute them with the credit bureaus. According to the U.S. Public Interest Research Group (PIRG), 79% of credit reports contain errors. To dispute, send a written dispute letter to the credit bureaus (Experian, Equifax, and TransUnion) detailing the inaccuracies. If the bureau cannot verify the information, they must remove it.

Request validation

Under the Fair Debt Collection Practices Act (FDCPA), you can request Advanced Collection Services to validate the debt. This means they must provide proof that the debt is yours and that they have the right to collect it. If they cannot provide this documentation, they must cease collection efforts and remove the entry from your credit report.

Negotiate a settlement

Negotiating a settlement with Advanced Collection Services can be another option. You can offer to pay a portion of the debt in exchange for them removing the collection account from your credit report. Ensure you get this agreement in writing before making any payment.


A pay-for-delete agreement involves paying the debt in full or a settled amount in exchange for the collection agency removing the negative entry from your credit report. However, not all collection agencies agree to this, and it’s essential to get any agreement in writing.

Seek professional help

Credit repair professionals can assist in disputing and negotiating with collection agencies. They have experience and knowledge of consumer protection laws that can help remove or reduce the impact of collections on your credit report.

Pro Tip

Always request debt validation within 30 days of the first contact by Advanced Collection Services. This ensures you are only paying what you owe and protects you from fraudulent claims.

Why does Advanced Collection Services keep calling me?

If Advanced Collection Services is calling you frequently, it’s likely because they are attempting to collect a debt. It’s essential to handle these calls strategically:

Ignore calls and request written communication

Ignoring their calls can be one strategy, but it’s better to request all communications in writing. This not only helps keep a record of all interactions but also gives you time to respond appropriately without the pressure of a phone call.

Send a cease and desist letter

You have the right to request that Advanced Collection Services stop calling you by sending a cease and desist letter. Once they receive this letter, they are legally obligated to stop calling you, although they can still communicate with you in writing.

What are my rights when dealing with Advanced Collection Services?

When dealing with Advanced Collection Services, you have several rights under the FDCPA and FCRA:

Right to dispute

You have the right to dispute any debt that you believe is incorrect. This must be done in writing and sent to both the collection agency and the credit bureaus.

Right to validation

You can request validation of the debt, which forces the collection agency to provide proof that the debt is yours and that they have the right to collect it.

Right to cease communication

You can request that Advanced Collection Services stop contacting you by sending a cease and desist letter.

Right to fair treatment

Collection agencies are prohibited from using abusive, unfair, or deceptive practices to collect a debt.

Request all correspondence in writing

Ensure a documented record of communications with Advanced Collection Services by requesting written correspondence. This helps protect your rights and provides a clear record of all interactions. Contact Advanced Collection Services at the following address:
Advanced Collection Services contact information
1234 Example St, Anytown, USA 12345
+1 800-555-6789

How to file a complaint against them

If you believe that Advanced Collection Services has violated your rights or engaged in unfair practices, you have the right to file a complaint. Complaints can be filed with various regulatory agencies, including:
  • Consumer Financial Protection Bureau (CFPB): The CFPB handles complaints related to debt collection practices. You can file a complaint online at
  • Federal Trade Commission (FTC): The FTC also addresses issues related to debt collection. File a complaint at
  • State Attorney General’s Office: Your state attorney general’s office can help with complaints against debt collectors. Find your state’s office and file a complaint through their website.
Make sure to include detailed information about the violation, any evidence you have, and your contact information.

Understanding your debt collection rights

It’s crucial to know your rights when dealing with debt collectors like Advanced Collection Services. Under the FDCPA, you are protected from abusive, deceptive, and unfair debt collection practices. This includes the right to dispute the debt, request validation, and cease communication. Familiarize yourself with these rights to handle debt collectors confidently and effectively.

Tips for negotiating with Advanced Collection Services

Negotiating with debt collectors can be intimidating, but with the right approach, you can reach a favorable outcome. Here are some tips:
  • Stay calm and professional: Maintain a calm and professional tone during all interactions. Avoid getting angry or defensive.
  • Know your financial limits: Before negotiating, determine how much you can realistically afford to pay. Stick to your budget.
  • Get everything in writing: Always request that any agreements be put in writing. This protects you in case of future disputes.


Dealing with Advanced Collection Services can be challenging, but understanding your rights and the strategies to handle their collections can make a significant difference. Always ensure to dispute inaccuracies, request debt validation, and consider professional help if needed. Remember, a proactive approach can help you manage your credit report more effectively and improve your financial health over time.

Frequently asked questions

Can I request a debt validation from Advanced Collection Services?

Yes, under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a validation of the debt. This requires Advanced Collection Services to provide proof that the debt is yours and that they have the legal right to collect it.

How long does Advanced Collection Services have to respond to a debt validation request?

Once you request a debt validation, Advanced Collection Services must cease collection efforts until they provide you with verification of the debt. They typically have 30 days to respond, but this timeframe can vary depending on state laws.

What should I do if there is an error in the collection account on my credit report?

If you find an error in the collection account reported by Advanced Collection Services, you should dispute the inaccuracy with the credit bureaus (Experian, Equifax, and TransUnion). Provide detailed information and any evidence you have to support your claim.

Can I negotiate a payment plan with Advanced Collection Services?

Yes, you can negotiate a payment plan with Advanced Collection Services. Before entering any agreement, ensure you fully understand the terms and get the agreement in writing to avoid any future disputes.

What happens if I ignore calls and letters from Advanced Collection Services?

Ignoring calls and letters from Advanced Collection Services is not advisable as it can lead to further collection actions, including potential legal action. It’s better to communicate in writing, request debt validation, and negotiate a resolution.

How can I prevent future debts from being sent to collections?

To prevent future debts from being sent to collections, ensure you make timely payments on all your credit accounts, monitor your credit report regularly for any discrepancies, and communicate with your creditors if you’re experiencing financial difficulties.

Key takeaways

  • Advanced Collection Services is a legitimate debt collection agency.
  • Collection accounts from Advanced Collection Services can significantly impact your credit score.
  • You have the right to dispute and request validation of the debt.
  • Negotiating a settlement or a pay-for-delete agreement can help remove negative entries from your credit report.
  • Seek professional help if you need assistance in handling Advanced Collection Services.

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