How to Remove Allied Collection Services from Your Credit Report
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Summary:
If you find Allied Collection Services on your credit report, swift action is crucial. Inaccuracies can damage your financial standing, but understanding your rights under the Fair Credit Reporting Act empowers you to dispute and rectify errors. This guide offers comprehensive steps on how to address Allied Collection Services entries, safeguarding your creditworthiness and ensuring you’re aware of your consumer protection rights.
No one relishes encounters with debt collection agencies, especially when faced with inaccurate reporting. Errors on credit reports, whether from misinformation or identity theft, can have long-lasting consequences. An account referred to collections, such as Allied Collection Services, can significantly impact your credit report. This guide delves into what Allied Collection Services is and outlines effective strategies to address entries on your credit report.
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Understanding Allied Collection Services
Allied Collection Services operates as a debt collection agency, primarily focusing on healthcare-related debts. Headquartered in Columbus, Indiana, the agency collaborates with medical providers to recover outstanding debts from consumers. It’s vital to comprehend your rights when dealing with Allied Collection Services to mitigate potential adverse effects on your credit and overall financial well-being.
Pro tip
When communicating with debt collectors, consider doing so in writing to maintain a clear and documented record of interactions.
Impact of Allied Collection Services on your credit score
Accounts sent to debt collection agencies like Allied Collection Services can significantly impact your credit score. Such entries typically remain on your credit report for a prolonged period, often up to seven years. Familiarizing yourself with the protections offered by the Fair Credit Reporting Act (FCRA) is essential to navigating these situations effectively.
- Debt collectors are required to provide you with a debt validation notice within five days after they first contact you. This notice must detail the amount of the debt and the creditor’s name. While this does not include a requirement to notify you before reporting the debt to credit bureaus, you can dispute inaccurate information reported to a bureau.
- Regularly review your credit report to identify inaccuracies and address them promptly.
Pro tip
Obtain a free copy of your credit report annually from each of the three major credit reporting agencies through AnnualCreditReport.com.
Steps to remove Allied Collection Services from your credit report
Whether the reported debt is legitimate or not, taking action to address entries from Allied Collection Services is crucial. Follow these comprehensive steps:
- Review your credit report to verify accuracy, obtaining free copies from major credit reporting agencies (Experian, TransUnion, and Equifax).
- If accurate but disputable, file a dispute with the credit reporting agencies, providing supporting documentation.
- If inaccurate, dispute the information, providing evidence of the error.
- If issues persist, seek legal guidance to protect your rights.
Request written correspondence
Ensure all communication with Allied Collection Services is documented by requesting written correspondence. You can contact Allied Collection Services at the following address:
Allied Collection Services contact information
1607 Central Avenue
Columbus, IN 47201
Phone: (812) 372-0263 or toll free (800) 310-3349
1607 Central Avenue
Columbus, IN 47201
Phone: (812) 372-0263 or toll free (800) 310-3349
Seek a debt validation letter
By law, Allied Collection Services must provide a debt validation letter within five days of initial contact. This letter should contain detailed information about the debt owed, confirming its legitimacy and outlining your rights.
- Name and mailing information of the debt collector.
- Name of the original creditor.
- Account number associated with the debt.
- Itemization of the current debt amount, including interest, fees, payments, and credits.
- Your debt collection rights and instructions on disputing the debt.
Pro tip
Use certified mail for all correspondence with debt collectors, credit bureaus, or other agencies to maintain a documented record of communication.
File a dispute with credit bureaus
If you believe the debt is not legitimate or Allied Collection Services fails to validate it, file a dispute with the credit bureaus. Each bureau has its process, requiring documentation of the error.
Equifax
P.O. Box 740256
Atlanta, GA 30374
P.O. Box 740256
Atlanta, GA 30374
Experian
P.O. Box 4500
Allen, TX 75013
P.O. Box 4500
Allen, TX 75013
TransUnion LLC, Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
P.O. Box 2000
Chester, PA 19016
Check the statute of limitations
Evaluate whether the statute of limitations for collecting the debt in your state has expired. While this does not remove the debt from your credit report—it can remain for up to seven years—it may affect whether collectors can sue you to recover the debt.
Negotiate a pay-for-delete agreement
If you legitimately owe the debt, consider negotiating a pay-for-delete agreement with Allied Collection Services. This involves paying a portion of the debt in exchange for removing the collections account from your credit report.
Monitor your credit report
About 30 days after taking action, monitor your credit report to ensure that the appropriate changes have been made. If no changes occur, consider filing a complaint against Allied Collection Services and seek legal assistance if necessary.
Filing a complaint against Allied Collection Services
If you believe Allied Collection Services has engaged in unfair practices or violated the law, filing a complaint with relevant agencies is an option:
- File a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB handles complaints about debt collectors.
- File a complaint with the Better Business Bureau. This action raises awareness and assists others facing similar issues.
- Find your state’s regulator. Many states have their versions of the Fair Debt Collection Practices Act (FDCPA). Look up your state’s regulator in the State Bank Directory.
Pro tip
Use the 11-word phrase to stop debt collectors: “Please cease and desist all calls and contact with me, immediately.”
Frequently asked questions
Is Allied Collection Services a legitimate company?
Yes, Allied Collection Services is a legitimate debt collection company bound by state and federal laws regulating debt collection practices.
What type of company is Allied Collection Services?
Allied Collection Services is a debt collection agency focusing on healthcare-related debts. Headquartered in Columbus, Indiana, it collaborates with medical providers to recover outstanding debts from consumers.
Does Allied Collection Services impact your credit score?
Yes, an entry from Allied Collection Services on your credit report can have a significant impact on your credit score for an extended period. Prompt action is essential to mitigate prolonged negative effects.
Can Allied Collection Services sue me or garnish my wages?
Allied Collection Services has the legal authority to pursue legal action, even for small debts. Timely responses to communications are crucial to avoid potential legal consequences, including wage garnishment.
Key takeaways
- Entries from debt collection agencies like Allied Collection Services can harm your credit score for an extended period.
- Consumer protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) safeguard against abusive practices.
- To address Allied Collection Services entries on your credit report, consider disputing, negotiating, or seeking legal assistance.
- Request written communication, obtain a debt validation letter, and monitor your credit report for changes.
- After taking action, monitor your credit report. If no changes occur, consider filing a complaint against Allied Collection Services and explore legal assistance if necessary.
If you need assistance in recovering from financial setbacks or dealing with aggressive debt collectors, consider consulting a credit repair company. Utilize SuperMoney’s comparison tool to find the best credit repair service for your needs!
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