Can You Remove Account Services Collections From Your Credit Report
No one likes to be indebted to anyone; we all try to honor our financial promises. However, some unforeseen events can set you back financially and hinder you from meeting your monthly financial obligations. Eventually, your lenders may assign the accounts to a collection agency such as Account Services Collections to chase you for payment. The debt collector will send you a debt validation letter showing details of your debt, including the debt amount, who you owe, and when you should pay. But what if the collection agency is on your neck due to erroneously reported negative information on your credit report? Yes, that can happen. If you find yourself hounded for a debt you don't owe, you need to dispute the credit report immediately. If you don't know where to start, DoNotPay can help clean up your credit report without hassle.
What is Account Services Collection?
Account Services is a debt collection agency located in San Antonio, Texas. The company started its operations in 1970 and serves clients from different industries, including healthcare, communication, retail, student loan, bank card, and finance. You can reach out to Account Services Collection by calling (210) 821-1200 or (800) 777-5102.
What Is Credit Dispute Process?
The credit dispute process involves calling for the correction of errors on a credit report. If you go through your credit report and find a mistake, you will need to initiate a dispute with the credit bureau by sending a credit dispute letter. You should also attach supporting documents to highlight the mistake. After that, the credit bureau investigates the dispute and determines the basis of the errors, which could be your documentation or details from the data furnisher. If the credit bureau corrects the error, you can request a new report from the credit bureau.
Will Disputing a Credit Report Impact Your Credit Scores?
After filing a dispute with a credit bureau, there is no immediate impact on your credit scores. Improvements in the credit scores occur after you complete the dispute process and the credit bureau rectifies the credit reports. The score can go up or down depending on what you are disputing and the outcome. For instance, you may fix your credit score if your dispute leads to the removal of the erroneously reported negative information such as unpaid collections, inquiries, or late payments. But if the corrections involve your personal information, there will be no impact on your credit scores. However, such a correction is crucial to maintaining accurate credit tracking.
How to Clean Credit Report on Your Own
1. Contact the credit reporting company
Once you identify a mistake on your credit report, start by disputing the information with the credit reporting company. You need to write a letter explaining the error and provide supporting documents. The dispute letter should have the following information:
- Your contact details, including your name, address, and telephone number
- Identify the error you are disputing
- Reason for disputing the information
- Request to have the error corrected
- Report confirmation number, if known
- Attach a copy of the credit report and highlight the disputed items
Here's how to contact each of the credit reporting companies:
|Credit Bureaus||Phone Number||Mailing Address|
|Experian||(888) 397-3742||Experian, P.O. Box 4500, Allen, TX 75013|
|TransUnion||(800) 916-8800||TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016|
|Equifax||(866) 349-5191||Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348|
2. Contact the Data Furnisher
After you contact the credit reporting company, consider reaching out to the data furnisher too. A data furnisher is a creditor or lender who gives data to the credit bureaus. You can find their contact details on the credit report. After submitting your dispute to the data furnisher, their investigation will take 30 days. The data furnisher will notify the credit bureau if they confirm that indeed there is an error in your credit report.
Next Steps for Cleaning Credit Report if You Can't Do It Yourself
Disputing credit reports can be tedious, complicated, and time-consuming. You have to gather all supporting documents, find contact details to the credit reporting company and data furnisher and wait for the response. What is even worse is you have no assurance of a successful outcome when you dispute a credit report on your own, even if there is an error. Luckily, DoNotPay can help you clean up your credit report from Account Services Collections quickly and successfully.
Cleaning Your Credit Report With the Help of DoNotPay
Cleaning up credit reports should not be a frustrating process anymore. DoNotPay helps you navigate the process in three easy steps only. How to clean up your credit report using 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.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
What Else Can DoNotPay Do?
Cleaning up credit reports is not the only assistance you can get from DoNotPay; the world's first robot lawyer has a lot more to offer. We can help you:
- Make cancellations
- Donate Plasma for cash
- Settle bills
- Get financial aid appeal letters
- Fight e-mail spam