How to Get Ad Astra Recovery Services Off Your Credit Report

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Get Ad Astra Recovery Services Off Your Credit Report Forever

is a credit collection agency that will harass you and damage your credit. DoNotPay can help you get rid of them forever.

Everyone runs into trouble now and then. Sometimes, there are circumstances beyond your control that can affect your income. When your income is affected, you might not be able to pay your bills. A company will only sit on your debt without paying for so long before they call in a collection agency for help. Oftentimes, the company is actually writing off your debt. This is where collection agencies make their money. They buy the bad debt from companies and then ruthlessly pursue the consumer. If they are within the statute of limitations, they can even take you to court and send demand letters to you for the debt.

Once the case reaches court, if they win, they can garnish your wages, seize property, and even charge you the attorney fees they paid to send demand letters to you in the first place. What the collections agencies hope that you don't know is how they work. Many of them are quite unorganized because they buy debt in bulk. In order to effectively collect from you, the debt has to be real. Many of these agencies can't be bothered when the consumer fights back, and a simple request for validation of debt letter or credit dispute letter will be enough to get their collection actions removed from your credit report.

Most collection agencies don't pay attention to details and will attempt to collect on a debt after the statute of limitations has expired in your state. These types of actions are illegal and can give you grounds to send demand letters to the collection agency. Collections agencies are supposed to follow the strict guidelines of the Fair Debt Collection Practices Act (FDCPA). In order to remain in compliance with the FDCPA, collection agencies are restricted from calling you prior to 8:00 am or after 9:00 pm. They are also limited by how many times each day they can contact you. They are not allowed to threaten or use offensive language. Somehow, these guidelines fail to cover intimidation, which the Ad Astra agents are extremely good at.

Your credit score dictates too many areas of your life to ignore. It helps determine the type of car you drive, whether you can rent an apartment or buy a home, get credit cards, or the interest that you pay on loans. Any time a collection item hits your credit report, your credit score suffers. Even a late payment or a credit inquiry can negatively affect your credit score. If you see too many negative items on your credit report, you may need the help of DoNotPay.

What Is Ad Astra Recovery Services LLC?

is a collections agency.

Ad Astra Recovery Services has been in business since 2007. They are based out of Wichita, Kansas. They seem to specialize in the collection of delinquent payday loans and cash advance debt. It is assumed that they have other customers as well. While they have a Better Business Bureau rating of "A," there are numerous complaints against them. These complaints are mostly centered on:

  • Difficulty obtaining validation of the debt.
  • When they do collect on an account, the major credit bureaus are not notified.
  • The company does not give consumers who are making an effort to pay a second chance.
  • Intimidation tactics by their collection representatives.

What Should I Look For to Dispute the Ad Astra Recovery Services Claim Against Me?

The primary thing against you is the validity of the debt.

When you are going up against a collections agency, the first thing you want to make sure of is that the debt that they are collecting falls within the guidelines of the FDCPA.

  • Is this debt valid?
  • Does this debt fall within the statute of limitations of your state?
  • Is the amount they claim you owe correct?
  • Is this really your debt, or are you the victim of identity theft?

What to Look For in a Credit Report?

A credit report will tell you what you've spent, where, and how much you have (or should have) paid off. It can help you calculate your credit score in case you need a loan or something. Here is what you'll find on a typical credit report.

Your First and Last NameThis could also include any variations or misspellings of your name if you've entered them on any credit card applications.
Your AddressThis may also include past addresses where you've received credit reports before.
Your EmployerIf you've provided employment information to any creditors, it will be included in the report.
Revolving AccountsThese are credit card accounts or lines of credit you can regularly borrow from.
Installment LoansIf you have a set loan for a car, your college tuition expenses, or a mortgage, this monthly payment information will appear on your credit report.
Open and Closed AccountsIf you have a bad account that was closed seven years ago, this will be deleted from your report. Accounts closed in good standing will remain on your report for at least ten years.
Your Payment HistoryThis is a history of payments for all accounts except those mentioned above that are deleted from your report.
Recent InquiriesThese include any applications for loans or credit that you have made in the last year or so.
Collection AccountsIf you have any unpaid debts that were sent to a collection agency, they will appear here.
Public RecordsThese include any information on bankruptcy, foreclosures, or other events that may have affected your credit history.

Strategies for Successful Credit Report Dispute

There is more than one way to dispute a credit report.

When you are dealing with collections agencies and disputing a credit report made to the three credit bureaus, you can go about it a few different ways. No matter which path you choose, the first thing you need to know is whether the debt they are reporting is valid. To establish debt validation, you can:

  1. Go to the original creditor and speak with their accounting department. Ask them what their records show and compare it to the information on the credit report.
  2. Ask the collection agency for a debt validation letter. They will have one month to prove the debt is valid, or they need to remove the report.
  3. File a dispute with the credit bureaus.
  4. If the problem is unresolved, send demand letters to the collection agency for an unresolved credit report dispute.

How to Get an Ad Astra Recovery Services Credit Report Item Removed on Your Own

Are you ready to take on on your own? These are the steps you need to take.

  1. Print out a copy of your credit report.
  2. Find the initial bill from your creditor.
  3. Note the details of the bill, specifically the age of the debt and the amount due.
  4. Google statute of limitations for collections for your state.
  5. Compare your bills from Ad Astra Recovery Services to the bill from your creditor.
  6. See if the statute of limitations still applies to the debt.
  7. If there are discrepancies between the two, notify Ad Astra of the discrepancy by sending a credit dispute letter and requesting validation of the debt letter.
  8. Notify the three credit bureaus, Experian, Transunion, and Equifax, that you are disputing the debt.
  9. Check after one month to see if the collection item has been removed.
  10. When the collection item is still there, Google how to send demand letters to Ad Astra.
  11. Notify the original creditor of what is happening.
  12. Call a lawyer.
  13. Search DoNotPay for assistance.

Next Steps if You Cannot Get the Ad Astra Collection Item Removed by Yourself

If Ad Astra refuses to either respond or cooperate with your independent attempts to remove the collection item, you can:

  • Call an attorney.
  • Consult with a credit repair organization.
  • Notify the original creditor.
  • Notify the Better Business Bureau.
  • Call and harass Ad Astra the way they do when they are trying to collect.
  • FIle a complaint with the Consumer Financial Protection Bureau.
  • Go to DoNotPay for help.

How to Remove an Ad Astra Item From Your Credit Report With Help From DoNotPay

When you have tried everything, you can click on a button and let DoNotPay help remove that pesky Ad Astra item from your credit report.

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the four potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  2. 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.

  3. 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!

  4. 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. **

DoNotPay Offers Solutions in All Areas

DoNotPay does so much more than just help clean up your credit report. They offer solutions in every area.

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