How to Remove Alpine Credit From Your Credit Report

Who is Alpine Credit?

Alpine Credit, Inc., also known as Allegiant Receivables Solutions, Inc., is a debt collection agency stationed in Arvada, Colorado. They specialize in collecting overdue payments on behalf of their clients.

If Alpine Credit appears on your credit report, it typically indicates a collections account, which signifies an unpaid bill that the original creditor has transferred to them for collection.

Who does Alpine Credit collect for?

Alpine Credit offers asset recovery services to a specific niche of clients, predominantly in the healthcare and real estate industries. They work with doctors, hospitals, and other healthcare providers who have not been able to collect payment for their services from patients. Similarly, they assist property management groups in recovering overdue rents or other property-related debts.

Is Alpine Credit legit or a scam?

Alpine Credit is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Alpine Credit from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Alpine Credit, Inc. Contact Information

Address:

Alpine Credit, Inc.
12191 W 64th Ave Ste 210
Arvada, CO 80004

Phone number: (303) 239-9100 or (844) 821-0712

Should I contact or pay Alpine Credit?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Alpine Credit is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alpine Credit on behalf of their clients.

Will Alpine Credit sue me or garnish my wages?

In general, debt collection agencies like Alpine Credit have the capacity to sue debtors for unpaid debts. If they file a lawsuit and win, they may obtain a court order to garnish your wages, which would allow a portion of your salary to be directly sent to them to pay off the debt.

However, it’s important to remember that suing is often not the first action taken by a collection agency. Prior to this, they are likely to have made multiple attempts to contact the debtor and agree on a payment plan. Also, the decision to sue can depend on various factors, such as the size of the debt and the agency’s assessment of the likelihood of repayment.

Alpine Credit Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Alpine Credit, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Alpine Credit, Inc. to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• Alpine Credit, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Alpine Credit, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Alpine Credit, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Alpine Credit From Your Credit Report Today!

Credit Saint offers assistance with disputing Alpine Credit accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.