Get American Coradius International off Your Credit Report With DoNotPay
Having a collection agency like show up on your credit report can be downright disheartening. This is especially true if you're in the process of buying a home, refinancing an existing mortgage loan, or applying for a car loan. Despite being up to date on your current bills and having a good debt-to-income ratio, having collection agencies on your credit report can keep you from achieving your goals. In fact, negative entries on your credit report like these can even make it difficult to rent an apartment, sign up for cellphone service, or start residential utilities without having to pay a hefty deposit. Worse still, the collection doesn't always report consumer debts accurately.
Fortunately, you have a number of guaranteed protections as a consumer under the Fair Credit Reporting Act (FCRA). The FCRA requires all collection agencies to accurately report consumers' financial information. They also require collection agencies like American Coradius International to send consumers debt validation letters within just five days of having contacted them. When collectors fail to adhere to these and other FCRA requirements, you're legally entitled to take action.
DoNotPay makes it easy to dispute credit report entries that aren't accurate or that are otherwise unlawful. With the Clean Credit Report product, you can quickly submit demand and dispute letters to multiple collections agencies and other entities. You can also get answers to some of the most commonly asked questions about credit repair, including:
- How do I remove credit inquiries from my credit report?
- How do I remove collections from my credit report?
- What can I do to quickly improve my credit score?
- How do I remove late payments from my credit report?
What Is American Coradius International?
, LLC is both a third-party collection agency and a full-service financial agency. American Coradius International represents banks and other financial institutions throughout the nation. If you've ever had a banking account closed due to overdraft charges, insufficient fund fees, or have other debts with a banking institution, this company likely sold your debt to American Coradius International. When contacting you about a debt, American Coradius International is required to remit a written debt validation letter. This letter should include:
- The name of the creditor from which your charges originated
- The total amount owed
- Details on how and where to submit a credit dispute
American Coradius International Contact Information
Physical and Mailing Address:
|American Coradius International
2420 Sweet Home Rd.
Ste.150 Amherst, NY 14228
Contacting the Three Main Credit Reporting Bureaus
Whenever you have a credit dispute, it's best to start by contacting the collection company that's currently managing your debt. After you've contacted American Coradius International, they'll have 30 days to provide a response or resolution. During this time, you also have the option of notifying the three main credit reporting bureaus in writing.
The three main credit reporting bureaus are Equifax, Transunion, and Experian. Although you can call these entities by phone to report fraud, identity theft, or other concerns, it is generally best to submit your credit dispute in writing. This way, you'll have a written record of all communication pertaining to this issue. It's also a good idea to:
- Send all correspondence by certified mail
- Request a return receipt
- Keep all original documents from and to American Coradius International
- Keep copies of any letters that you send to credit reporting bureaus
You can contact the three credit bureaus here:
|Credit Bureaus||Phone Number||Mailing Address|
|Equifax||(866) 349-5191||Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348|
|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|
What to Look For in Your American Coradius International Credit Dispute
Although you may be eager to remove credit report entries from American Coradius International to boost your spending power, you have to have a good reason for doing so. Among some of the top reasons for filing a credit, dispute are:
- The identifying information on your report is incorrect
- The amount that you're being charged is incorrect or higher than legally allowed
- You never received a debt validation letter
- The debt validation letter you received was lacking the required information
- Payment or delinquency dates are incorrect
- A single debt has been listed on your credit report several times
How to Dispute an American Coradius International Credit Report
American Coradius International shares important consumer information on its official website concerning the process for initiating a credit dispute. You'll find a state-by-state breakdown of the steps that you can take to resolve your concerns here. However, when disputing any entry on your credit report, be sure to do the five following things:
- Identify the specific FCRA violation that the collection agency has made
- Draft a letter detailing your complaint
- Wait 30 days for the collection agency to respond to your letter
- Contact the three main credit reporting bureaus to repeat your concerns
- Follow-up by checking to see if any modifications have been made to the credit report entry
Sue American Coradius International for an Unresolved Credit Dispute
According to the FCRA and the Consumer Financial Protection Bureau (CFPB), you have the legal right to sue American Coradius International if they:
- Don't adhere to the guidelines of the FCRA
- Do not respond to your inquiries or demands in a timely fashion
- Do not respond adequately to your concerns
Although suing a major company like American Coradius International might seem daunting, you can easily take businesses like these to small claims court with Sue Now from DoNotPay. In fact, countless consumers have successfully sued corporate giants like Comcast, Uber, Verizon, and AT&T using Sue Now from DoNotPay.
Next Steps if You're Having Trouble
Collection agencies have 30 days from the time that they're notified of credit disputes to initial and complete reinvestigations of disputed debts. Before 30 days have passed, they are legally required to issue a written response that details their justifications or states their actions. Unless resolved, debts recorded on consumers' credit reports must be listed as "disputed". If you have already contacted the three main credit reporting bureaus and have waited several weeks for American Coradius to issue you a suitable response, you still have options. You can:
- Take legal action by suing the company
- Submits your concern to the United States Armed Forces Legal Assistance Office if you're a veteran or an active service member
- File a complaint with the Consumer Finance Protection Bureau
However if you want to keep things simple, you can always escalate your complaints by using DoNotPay.
Use DoNotPay to Get American Coradius International off Your Credit Report
The DoNotPay Clean Credit Report service is an excellent tool to use if you're eager to raise your credit score in advance of submitting a loan application. Whether you're anxious to buy a house, a car, or simply apply for an apartment, you can use DoNotPay to get rapid results from both collection agencies and credit reporting bureaus. 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.
Why Use DoNotPay to Clean Your Credit Report?
Using DoNotPay to clean your credit report is always quick and easy. DoNotPay is built to tackle tough issues like these. You won't have to spend weeks or even months waiting for to respond. Best of all, you can make sure that you're always taking the right legal approach to each of your credit-related concerns. Whether you want to request a debt validation letter, send a credit dispute letter, or simply fix your credit score, DoNotPay has got you covered.
All services provided by DoNotPay also work seamlessly across multiple entities and agencies. Thus, if you want to dispute credit report entries from other collection agencies, DoNotPay can assist with these disputes as well.
Check Out These Other Problems DoNotPay Can Help You Resolve
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