Remove Eastern Account System Collection Accounts From Your Credit Report In 3 Steps
If you have a collection account from Eastern Account System that you have been contacted about, you may be confused about why you owe the company. A third-party collection agency, (EAS) works on behalf of other companies. When accounts remain uncollected for an extended time, the business holding the debt may decide to write the account off for current profit statements and outsource the collection of the debt.
Like many other third-party collection agencies, EAS has been accused of unethical collection practices. Many consumers have even reported being harassed by EAS. The Fair Credit Reporting Act (FCRA) protects consumers from harassment by collection agencies and from unethical collection practices. Keep reading to find out what other protections you have thanks to the FCRA and to find out what options you have when faced with a collection account from EAS.
- Write a credit dispute letter.
- Learn how to dispute a credit report.
- Writing a debt validation letter to get proof of debt owed.
- Find out how to remove inquiries from your credit report.
What Accounts Does EAS Collect?
A third-party collection agency, , works to collect delinquent debt for other companies. These are some of the industries that EAS works to secure delinquent debt for.
- Healthcare industry
- Cable, satellite, and telecommunications industry
- Utility companies
- Financial institutions
- Home automation and security industry
- Property management companies
- Retail industry
Disputing a Collection Account From EAS on your Own
If you wish to dispute a collection account reported by EAS yourself, these are the steps you can take.
|Ask for debt validation||Send a letter asking them to provide proof that the debt belongs to you. The agency has 30 days to provide proof upon request.|
|Dispute debt with the credit bureaus||The credit bureaus will investigate any disputes and if the company fails to respond to requests for information, the debt must be removed.|
|Send a pay for delete letter||Send a letter requesting the debt be removed in return for the debt being paid in full.|
|Pay the debt and dispute||Paid collection accounts will remain on your credit report. If paid, the company is less likely to reply to a dispute inquiry leading to the removal of the account from your credit report.|
|Wait for the debt to be sold||Many companies sell the delinquent debt to collection agencies. If the information given to the agency is incomplete or inaccurate, you can dispute the account again.|
|Wait and try again||The credit bureaus allow you to dispute debt for many reasons. If your dispute is denied you can give it some time and try disputing the account again for a different reason.|
Sue for Unresolved Credit Dispute
The FCRA gives consumers the right to sue creditors that fail to provide proof or comply with requests to remove inaccurate accounts. If creditors are found to not comply with the FCRA, you could be awarded actual damages, punitive damages, and statutory damages for their unethical reporting practices.
Dispute and Sue With DoNotPay
Filing a claim in small claims court can be confusing and disputing collection accounts on your credit report involves so many steps. Why not let DoNotPay handle both tasks for you and then some? With the Small Claims Court and Clean Credit Report products, DoNotPay can assist with both tasks. 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 Should You Use DoNotPay?
Do you like to save time and money? Do you wish you could save both quickly, easily, and successfully? You have finally found a way to make your wish come true. With the products DoNotPay has to offer, there is no shortage of ways to save. Here are a few more articles from the series.
- Find out how to fix your credit score.
- We figured out how to remove collections from credit reports.
- We can tell you how to remove late payments from a credit report.
- Find out how to generally improve your credit score.
What Else Can DoNotPay Do?
When you finish cleaning your credit report, start looking for your next way to save with the products of DoNotPay. You could start with getting help with bills. If writing a financial aid appeal letter is on your list of things to do we can guide you through the process. We also investigated how to cancel any account you need to cancel.