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How to Remove Allied Business Services From your Credit Report

Last updated 07/03/2024 by

Silas Bamigbola

Edited by

Fact checked by

Summary:
Allied Universal is a debt collection agency that purchases and collects debts on behalf of various creditors. This article provides an in-depth look at how they operate, the impact on your credit score, and how to handle their collection attempts. We also discuss your rights, potential strategies for removal, and more.
Allied Universal is a well-known debt collection agency that might appear on your credit report if you have unpaid debts. This can be a daunting experience, especially if you’re unfamiliar with how debt collection agencies operate and what your rights are. This article aims to provide a comprehensive guide to understanding Allied Universal, the impact of their collection activities on your credit score, and effective strategies to handle their communications.

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Who does Allied Universal collect for?

Allied Universal collects debts on behalf of various creditors, including credit card companies, loan providers, and other financial institutions. These debts are often bought at a fraction of the original amount owed, allowing the agency to profit from successful collections.

How does Allied Universal affect my credit score?

The presence of a collection account from Allied Universal can significantly impact your credit score. Collection accounts are considered derogatory marks and can lower your score, making it harder to secure loans or favorable interest rates.

Steps to remove Allied Universal from your credit report

Verify the debt

Before taking any action, ensure that the debt is legitimate. Request validation from Allied Universal.

Dispute errors

If there are any inaccuracies in the reported debt, dispute them with the credit bureaus.

Negotiate for removal

Sometimes, negotiating a pay-for-delete agreement can result in the removal of the account from your report.

Seek professional help

Credit repair companies can assist in disputing and negotiating the removal of collection accounts.

Does paying Allied Universal improve my credit score?

Paying off a debt to Allied Universal will change the status from ‘unpaid’ to ‘paid’, but the collection account will still remain on your credit report for up to seven years. This can still negatively affect your credit score, though less so than an unpaid collection.

Pro Tip

Before paying any collection agency, verify the debt and seek advice from a credit repair specialist. They can help ensure you’re taking the right steps to improve your credit score.

Request all correspondence in writing

Ensure a documented record of communications with Allied Universal by requesting written correspondence. This not only provides a clear record of all interactions but also can be useful if you need to dispute any claims in the future. Contact Allied Universal at the following address:
Allied Universal contact information
161 Washington Street, Suite 600, Conshohocken, PA 19428
+1 866-703-7666

How to file a complaint against them

If you believe Allied Universal has violated your rights under the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA), you have the option to file a complaint. This can be done through various regulatory bodies that oversee debt collection practices. Here are the steps you can take to file a complaint:
  1. Contact the Consumer Financial Protection Bureau (CFPB): The CFPB allows you to submit a complaint online through their website. You can also call their toll-free number for assistance.
  2. File a complaint with your state Attorney General’s office: Many states have their own laws regulating debt collection practices. Your state Attorney General’s office can provide guidance and accept complaints.
  3. Report to the Better Business Bureau (BBB): The BBB tracks complaints against businesses and can assist in resolving disputes.
Consumer Financial Protection Bureau (CFPB) contact information
Online: Submit a complaint
Phone: +1 (855) 411-2372

How to handle harassment from Allied Universal

It is important to know that the FDCPA protects you from harassment by debt collectors. If Allied Universal is repeatedly calling you, using abusive language, or making threats, you can take steps to stop the harassment. Here’s what you can do:
  • Keep a record: Document each call, including the date, time, and content of the conversation.
  • Send a cease and desist letter: Request in writing that they stop contacting you. They must comply with this request, except to notify you of any legal action they are taking.
  • Report the behavior: File complaints with the CFPB, your state Attorney General, and the BBB.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides several protections for consumers. Knowing your rights can help you handle interactions with Allied Universal more effectively. Here are some key rights you have under the FDCPA:
  • Right to validation: You can request verification of the debt within 30 days of the initial contact.
  • Right to be free from harassment: Debt collectors cannot use abusive language, threaten you, or call you repeatedly to harass you.
  • Right to privacy: Debt collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney.

Steps to take if you are sued by Allied Universal

Although it is rare, there is a possibility that Allied Universal may sue you for an unpaid debt. If you receive a lawsuit notice, it is important to act promptly. Here are the steps you should take:
  • Do not ignore the lawsuit: Ignoring it can result in a default judgment against you.
  • Seek legal advice: Contact a lawyer who specializes in debt collection cases to understand your options and defenses.
  • Respond to the lawsuit: File a response with the court within the specified time frame to avoid a default judgment.

Conclusion

Dealing with Allied Universal can be stressful, but understanding your rights and the best strategies to handle their collection attempts can make a significant difference. Always verify the debt, dispute any inaccuracies, and consider seeking professional help to navigate the process effectively. By taking these steps, you can protect your credit score and potentially remove negative marks from your credit report.

Frequently asked questions

What is Allied Universal?

Allied Universal is a debt collection agency that purchases and collects debts on behalf of various creditors. They may contact you regarding unpaid debts.

How does Allied Universal affect my credit score?

The presence of a collection account from Allied Universal can significantly impact your credit score by lowering it, making it harder to secure loans or favorable interest rates.

Can I remove Allied Universal from my credit report?

Yes, you can potentially remove Allied Universal from your credit report by disputing inaccuracies, negotiating a pay-for-delete agreement, or seeking professional help from credit repair companies.

Should I pay off my debt with Allied Universal?

Paying off a debt to Allied Universal will change its status from ‘unpaid’ to ‘paid’, but the collection account will still remain on your credit report for up to seven years, though with less impact.

Is Allied Universal a legitimate company?

Yes, Allied Universal is a legitimate debt collection agency, but they might use aggressive tactics to collect debts, which can feel overwhelming and harassing.

How can I stop Allied Universal from calling me?

To stop calls from Allied Universal, you can send a cease and desist letter requesting that they stop contacting you. They must comply with this request, except to notify you of any legal action.

What are my rights when dealing with Allied Universal?

You have the right to dispute any debt they are trying to collect under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws provide protections and rights for consumers.

Key takeaways

  • Allied Universal is a legitimate debt collection agency.
  • They can significantly impact your credit score if a collection account appears on your report.
  • Verify and dispute any inaccurate debts to improve your credit report.
  • Consider negotiating a pay-for-delete agreement to remove the account.
  • Seek professional help if you’re unsure how to handle their collection attempts.

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