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What Is ATG Credit, And Why Is It On My Credit Report?

Last updated 07/03/2024 by

Silas Bamigbola

Edited by

Fact checked by

Struggling with ATG Credit collections on your credit report? This comprehensive guide explains who ATG Credit is, how they impact your credit score, and actionable steps you can take to remove them. From understanding your rights to disputing inaccurate information, we cover everything you need to know to improve your financial standing.
Dealing with debt collectors like ATG Credit can be overwhelming, especially when their actions impact your credit score. Understanding who they are, how they operate, and what rights you have can empower you to take control of your financial situation. This guide provides an in-depth look at ATG Credit, their collection practices, and practical steps to remove their negative entries from your credit report.

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Who is ATG Credit?

ATG Credit, LLC is a debt collection agency that either purchases debts from original creditors or is hired to collect on their behalf. This means they may have bought your debt at a fraction of its original value or are simply trying to recover funds for another company. Their tactics often include sending letters and making phone calls to demand payment, which can be stressful and damaging to your credit score.

How does ATG Credit acquire debt?

ATG Credit typically acquires debt in two main ways:
  1. Debt purchase: They buy delinquent accounts from creditors who have given up on collecting the debt themselves.
  2. Debt collection contracts: They are contracted by other companies to collect debts on their behalf.
Understanding this can help you better navigate your interactions with them and know who ultimately owns your debt.

Impact on your credit score

Having a collection account from ATG Credit on your credit report can significantly harm your credit score. Collections remain on your report for seven years from the date of first delinquency, affecting your ability to secure loans, mortgages, and even some jobs.

How collection accounts affect your score

Collection accounts are considered severe derogatory marks. They can lower your credit score by several points and signal to lenders that you are a high-risk borrower. The impact is most significant when the collection is recent, though older collections can still cause problems.

Pro Tip

Regularly check your credit report for errors and inaccuracies. Dispute any incorrect information to keep your credit score as high as possible.

Steps to remove ATG Credit from your credit report

Removing ATG Credit from your credit report can be challenging but not impossible. Here are the steps you can take:

1. Verify the debt

Before taking any action, ensure that the debt is valid. Request a debt validation letter from ATG Credit to confirm that the debt is yours and that the amount is accurate.

2. Dispute inaccurate information

If there are errors or inaccuracies in the collection account, you can dispute them with the credit bureau. According to the U.S. PIRGs study, 79% of credit reports contain errors, so it’s crucial to review your report thoroughly.

3. Negotiate a settlement

If the debt is valid, you might consider negotiating a settlement with ATG Credit. This can sometimes result in the collection being marked as “paid,” though it won’t remove the account from your report.

4. Request pay for delete

While not all collection agencies agree to this, you can ask ATG Credit for a pay-for-delete agreement. This means you agree to pay the debt in exchange for them removing the negative entry from your credit report.

5. Seek professional help

Credit repair companies can assist you in disputing and potentially removing negative entries from your credit report. They have the expertise to navigate the complexities of credit reporting and can often achieve results faster than you could on your own.

Request all correspondence in writing

Ensure a documented record of communications with ATG Credit by requesting written correspondence. Contact ATG Credit at the following address:
ATG Credit contact information
1700 West Cortland Street, Ste 205, Chicago, IL 60622
Ph #+1 866-784-6258

How to file a complaint against them

If you believe ATG Credit has violated your rights under the FDCPA or FCRA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office. Document all interactions and keep detailed records to support your complaint. Here are the steps to file a complaint:
  1. Gather Evidence: Collect all relevant documentation, including letters, emails, and notes from phone calls with ATG Credit.
  2. Contact the CFPB: You can file a complaint with the CFPB online at or by calling (855) 411-2372.
  3. Contact Your State Attorney General: Visit your state attorney general’s website to find information on how to file a complaint. You can find your state’s attorney general office through the National Association of Attorneys General at
  4. File a Complaint with the FTC: The Federal Trade Commission also handles complaints about debt collectors. You can file a complaint online at or by calling (877) 382-4357.
  5. Consider Legal Action: If your rights have been significantly violated, you may want to consult with a consumer protection attorney who can provide legal advice and potentially represent you in a lawsuit.
Documenting your experiences and understanding your rights can help protect you from abusive debt collection practices.

Pro Tip

Keep detailed records of all communications with debt collectors. This includes letters, emails, and notes from phone calls.


Dealing with ATG Credit can be daunting, but understanding your rights and options can make the process more manageable. By verifying debts, disputing inaccuracies, and seeking professional help when necessary, you can improve your credit report and regain financial stability. Remember, the key to handling debt collections is staying informed and proactive in managing your credit.

Frequently asked questions

What should I do if ATG Credit keeps calling me?

If ATG Credit continues to call, you can send them a cease and desist letter requesting that they stop contacting you. This can provide some relief from constant phone calls.

Can ATG Credit sue me?

While it’s possible, it’s unlikely that ATG Credit will sue you for the debt. Most collection agencies prefer to avoid the expense and time involved in litigation. However, it’s always best to consult with a legal professional if you’re concerned about a lawsuit.

Does ATG Credit accept goodwill letters?

In most cases, ATG Credit does not accept goodwill letters to remove collection accounts. This is typical for many collection agencies, as they prefer to follow strict protocols for debt collection.

Can ATG Credit garnish my wages?

Wage garnishment is rare but possible. State and federal laws limit the ability of creditors to garnish wages, and there are exemptions that protect certain income levels.

What are my options if ATG Credit refuses to remove the collection?

If ATG Credit refuses to remove the collection, you can continue to dispute the entry if you believe it is inaccurate. You can also seek assistance from a credit repair company or a consumer protection attorney.

Key takeaways

  • ATG Credit is a legitimate debt collection agency that can negatively impact your credit score.
  • Verify the debt and dispute any inaccuracies to potentially remove the collection from your credit report.
  • Understand your rights under the FDCPA and FCRA to protect yourself from abusive collection practices.
  • Consider professional help from credit repair companies to navigate the complexities of credit disputes.
  • Keep detailed records of all communications with ATG Credit and avoid admitting to the debt until verified.

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