How to Remove LJ Ross Associates From Your Credit Report

Clean Credit Report How to Remove LJ Ross Associates From Your Credit Report

How to Remove LJ Ross Associates From Your Credit Report

No one sets out to be as much in debt as possible. Most of us feel we are "adulting" and keeping it together, only to have unavoidable situations arise. Then, we end up with companies like  calling us on our phone and sending mail demanding we pay up.

Who are they? You've never heard of them, so why are they bothering you? DoNotPay knows the answer, and the answer to so many other questions you may have when life hands you lemons, including those regarding fixing your credit score.

Who Is LJ Ross Associates and Why Are They Calling?

LJ Ross Associates is a company that collects debts and promises to help both businesses and individuals get control of their finances. On the surface, it may sound ideal, but when you are on the receiving end of phone calls requesting your money when times are tough, things can go south quickly.

If those phone calls have begun, you may not know how they know your private information. They collected it from a company that you owe money to.

One thing for you to know is that they are a valid company. It isn't a scam, and you should avoid trying to ignore them. Here are their contact information:

Address4 Universal Way, PO Box 6099, Jackson, MI 49204-6099
Phone1.844.348.1739 or 1.800.446.9206

Unfortunately, once they call on you, attempting to collect your debt, there is a very good chance they will end up on your credit report. This can make it difficult to improve your credit score and may be very hard to get rid of inquiries.

Is There a ‘Right Way’ to Dispute LJ Ross Associates?

If you feel that LJ Ross Associates is wrong in their debt collection attempts, then there are things you can do. First, request a debt validation letter from LJ Ross Associates. This letter will show you the debt, identifying information, and who the original creditor was.

If you still feel that the debt is not yours, you can dispute the debt through LJ Ross Associates' website by providing them with your:

  1. Personal Information (Account Number, Original Creditor, Name, and Address)
  2. Phone Number
  3. Email Address
  4. Your Reason for Disputing Charges

Some valid reasons for disputing a charge include wrong information, wrong amounts, and accounts that are not your own.

If you do not get the results you want from disputing through LJ Ross Associates, you can also attempt to file disputes through one of the three major credit bureaus.

Each of these credit bureaus has its own dispute process, but they are all dependable sources for eliminating errors, like collections, on your credit report. However, writing a good dispute letter may be key to successfully disputing your debt.

Can I Sue LJ Ross Associates if I Do Not Owe Them?

The Federal Trade Commission has set forth rules regarding the "right" way for debt collections to take place. We know it as the Fair Debt Collection Practices Act. Some states may have different rules for debt collection attempts, but the most common reasons for you to sue are going to be:


Creditors are bound by law to never pretend to be something they aren't when collecting a debt from you. They should never pretend to be a government agency, police officer, lawyers, etc.


Debt collectors cannot threaten you with violence, legal repercussions, or other things unless they can do it.

Sharing Debt Information With Others

A debt collector may never discuss your debt with anyone other than you. This includes talking to your employer, family members outside your home, and friends.


Collection agencies cannot harass you, ever. If you tell the debt collector that you have a lawyer, they must stop contacting you. If you ask them to not call you at work, they must stop calling you when you are at work. They must also avoid contacting you if you have put forth the effort to dispute their claims.

Contact You at Bad Times

Debt collectors cannot call you after 9 pm or before 8 am.

Cursing or Causing You Embarrassment

A debt collection agency should never send postcards with mention of your debt. They must never use foul language in speaking with you.

If a creditor attempts to do any of these things or others that you feel are wrong, you will need to contact a lawyer to see if you have a case against the company. Since contracting a lawyer can be both bothersome and expensive, you have other options.

DoNotPay can help you determine if you have a small claims case on your schedule, not theirs.

DoNotPay Can Help if You Feel Lost in Dealing With LJ Ross Associates

You should never feel pressured to pay a debt that is not yours. You should never have to feel bullied by your creditors.

If you have late payments showing on your credit report, and you want to remove them, it is possible. You simply have to know where to begin. DoNotPay can be your guide.

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 a reference.


  3. Let us guide you through the 4 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 will pay in exchange for getting the item removed.


DoNotPay Can Help You Reduce Common Everyday Stressors

Whether you are dealing with creditors like  or stressed out over issues that you feel are beyond your control, DoNotPay is here. DoNotPay has many services available to help you achieve virtually anything. For instance, some services you will find include:

When you need a little stress relief, DoNotPay is here for you. All you have to do is  and explore how simple things can become.

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