How to Remove AAFES Collections off Your Credit Report with the Help of DoNotPay AAFES HR
According to the American Consumer Credit Counseling, 41% of military families have credit card debt amounting to over $5,000. Surprisingly, most of this debt comes from the Army and Airforce Exchange Service (AAFES).
AAFES debts can find their way into your credit report as collections and can significantly affect your credit score. The good news is you can remove the collections to clean your credit report. But this can be a daunting task when you don't know how to go about it.
Luckily for you, there are two ways to do it. You can do it yourself by directly contacting AAFES or turning to DoNotPay’s services for help! This comprehensive guide shows you how to go about it. So, let's get to it!
What is Army and Airforce Exchange Service Collections?
The Army and Airforce Exchange Service (AAFES) is a retailer serving US armed forces. It's been around since 1895 and provides a convenient way for its members to shop. AAFES regulations are flexible, and it's common for members to accumulate unpaid debts.
The AAFES collections is a debt collection agency in the United States that recovers debts from current and ex-members of the US military. The AAFES collections can appear on your credit report as a collections account when you fail to pay your AAFES debts on time.
You don't want it to come to this because AAFES collections can stay on your credit report for seven years whether you pay the debt or not. This can affect your credit score! Below are AAFES contact details.
- Address: 3911 South Walton Walker Boulevard, Dallas, Texas, United States 75236
- Phone Number: 214-312-2011
- Fax Number: 214-312-3000
- Email: socialmedia@aafes.com
- AAFES Human Resources Support Center: hrsc@aafes.com.
How to Clean Up Your Credit Report by Yourself
AAES collections can appear on your credit report because of falling behind in your debt payments, human error, fraud, or negligence.
There are other avenues you can follow in cleaning your credit report, including:
| Wait for the debt to expire. | All collection accounts have a maximum life of seven years – the statute of limitations. Sure, they will negate your credit score, but the effect isn't permanent, especially if you aren't planning on applying for a new line of credit soon. |
| Pay the debt balance. | Pay the debt balance in full to have AAFES remove the collection account as soon as possible. |
| Send a goodwill credit inquiry removal letter. | Request AAFES to remove the collection accounts on your credit report. |
| Send dispute letters. | Send dispute letters to all credit bureaus and AAFES once you find any erroneous accounts on your credit report. The law mandates the reporting bureaus investigate your complaint. |
How to Clean Up Your Credit Report with the Help of DoNotPay
Cleaning your credit report can be a hassle when doing it yourself. But it doesn't need to be when you can source the assignment to professionals like DoNotPay.
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps.
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
Why Use DoNotPay to Solve the AAFES Credit Report Issue
- Fast—DoNotPay is fast, so there is no need to waste time trying to figure out the problem yourself.
- Easy—Our system is easy to use, and we hold your hands every step of the way. You don't have to struggle through filling out tedious forms or keeping track of the many steps involved.
- Successful—We have helped many people like you over the years, so you can rest easy knowing we'll make the best case for you.n
What Else Can DoNotPay Do?
DoNotPay can do a lot more than just help you solve Army and Airforce Exchange Services credit report issues. Below are 3 other credit-related areas we can help you with.
- Debt validation letter
- How to fix credit score
- How to remove inquiries from credit report
Cleaning your credit report can be daunting. But, we can help you. Contact DoNotPay to resolve it now. You can also check our other services to help you improve your credit score.