Get American Coradius International Off Your Credit Report
SB
Summary:
If you’ve encountered American Coradius International (ACI) on your credit report, it’s essential to address it promptly. Incorrect information on credit reports can negatively impact your financial health. This guide provides comprehensive steps on dealing with ACI, ensuring you understand your rights and options for resolving the issue effectively.
No one enjoys dealing with debt collection agencies, especially when the reported information is inaccurate. Credit report errors, whether due to misinformation or identity theft, can have long-term consequences. ACI, like other debt collection agencies, can affect your credit report, potentially harming your financial standing. This guide offers insights into what ACI is and outlines steps to address its presence on your credit report.
Get Competing Personal Loan Offers In Minutes
Compare rates from multiple vetted lenders. Discover your lowest eligible rate.
It's quick, free and won’t hurt your credit score
Understanding American Coradius International (ACI)
American Coradius International LLC (ACI) is a debt collection agency headquartered in Amherst, New York. Specializing in recovering unpaid debts across various industries, ACI may appear on your credit report if you have outstanding debts that have been sent to collections. Understanding your rights when dealing with ACI is crucial to navigating the situation effectively.
Pro Tip
Keep records of all communications with ACI, including dates, times, and the content of conversations or correspondence, to protect yourself in case of disputes.
Pro Tip
Request a free copy of your credit report annually from each of the major credit reporting agencies to stay informed about your credit standing.
Dealing with American Coradius International (ACI)
Whether the debt reported by ACI is legitimate or not, taking steps to address it is crucial. Here are comprehensive steps to handle ACI’s presence on your credit report:
- Review your credit report to confirm the accuracy of the information reported by ACI.
- If the information is accurate but disputable, file a dispute with the credit reporting agencies, providing supporting documentation.
- If the information is inaccurate, dispute it with ACI and the credit reporting agencies, providing evidence of the error.
- If issues persist, seek legal advice to protect your rights.
Request written correspondence
Ensure all communications with ACI are documented by requesting written correspondence. Contact ACI at the following address:
American Coradius International LLC
Address: 2420 Sweet Home Rd Ste 150, Amherst, NY 14228
Phone Number: +1 800-759-2241
Address: 2420 Sweet Home Rd Ste 150, Amherst, NY 14228
Phone Number: +1 800-759-2241
Request debt validation
ACI is required by law to provide a debt validation letter within five days of initial contact, providing detailed information about the debt owed. This letter helps confirm the debt’s legitimacy and outlines 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 how to dispute the debt.
Pro Tip
Use certified mail for all communications with ACI or credit reporting agencies to maintain a record of correspondence.
File a dispute with the credit bureaus
If you believe you don’t owe the debt or ACI 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
Know the statute of limitations
Evaluate whether the statute of limitations in your state has expired, as this may lead to the removal of ACI’s debt item from your credit report.
Negotiate a settlement
If you genuinely owe the debt, consider negotiating a settlement with ACI. This involves paying part 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. If no changes occur, consider filing a complaint against ACI and seek legal assistance if necessary.
How to file a complaint against American Coradius International (ACI)
If you need to file a complaint against American Coradius International (ACI) for any reason, such as unfair debt collection practices, harassment, or incorrect information on your credit report, you can follow these steps:
1. File a complaint with the Consumer Financial Protection Bureau (CFPB)
The CFPB is a federal agency that oversees financial products and services, including debt collection practices. They can help you resolve issues with ACI.
- Online: Visit the CFPB complaint page and follow the instructions to submit your complaint online.
- Phone: Call the CFPB at (855) 411-2372 for assistance.
2. File a complaint with the Federal Trade Commission (FTC)
The FTC enforces consumer protection laws and takes action against companies that engage in unfair or deceptive practices.
- Online: Visit the FTC complaint page and follow the instructions to file your complaint online.
Pro Tip
Use the 11-word phrase to halt debt collectors: “Please cease and desist all calls and contact with me, immediately.”
Frequently Asked Questions
Is American Coradius International (ACI) a legitimate company?
Yes, ACI is a legitimate debt collection company bound by state and federal laws regulating debt collection practices.
What kind of company is American Coradius International (ACI)?
ACI is a debt collection agency based in Amherst, New York, specializing in recovering various types of unpaid debts.
Does American Coradius International (ACI) affect your credit score?
Yes, having an item from ACI on your credit report can impact your credit score for an extended period.
Can American Coradius International (ACI) sue me or garnish my wages?
ACI has the legal option to sue you for unpaid debts. Timely response to communications is crucial to avoid legal consequences, including potential wage garnishment.
Key takeaways
- Debt collection agency items on your credit report can harm your credit score for an extended period.
- Understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) is crucial.
- To address ACI on your credit report, review information accuracy, dispute errors, and consider negotiating a settlement if necessary.
- Keep records of all communications and take prompt action to protect your financial well-being.
If you need assistance with debt collection issues or improving your financial situation, consider seeking guidance from a reputable financial advisor. Use trusted resources to educate yourself about your rights and options.
Share this post: