Who is Associated Credit Services?
Associated Credit Services, Inc. (ACS) is a debt collection agency based in Westborough, Massachusetts.
If you see ACS listed on your credit report as a collections account, this likely implies that you have an unpaid debt that has been transferred to ACS for collection.
Who does Associated Credit Services collect for?
Associated Credit Services collects debts on behalf of a diverse range of clients. They work with various sectors, including amusement parks, banks, healthcare providers, and utility companies.
Is Associated Credit Services legit or a scam?
Associated Credit Services is a legitimate company. They’ve been in business since 1969, and 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 Associated Credit Services 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 report, 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.
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Associated Credit Services, Inc. Contact Information
Address:
Associated Credit Services, Inc.
115 Flanders Rd Ste 140
Westborough, MA 01581
Phone number: (508) 366-0888 or (800) 531-6500
Should I contact or pay Associated Credit Services?
Before contacting a debt 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 Credit reports can contain errors or list debts that are no longer valid.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 a debt collector like Associated Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Associated Credit Services on behalf of their clients.
Will Associated Credit Services sue me or garnish my wages?
Associated Credit Services does have the legal ability to sue you for unpaid debts. If they decide to sue you and the court rules in their favor, they may be awarded a judgment. This judgment can potentially lead to wage garnishment, bank account levies, or liens against your property, depending on the laws of your specific state.
However, keep in mind that initiating a lawsuit is usually a last resort for collection agencies. It involves additional costs and time, and most would prefer to resolve the debt directly with you, possibly through payment plans or settlement agreements.
Associated Credit Services, Inc. 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 Associated Credit Services
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:
- It is a violation of federal law for Associated Credit Services 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.
- Associated Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Associated Credit Services 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.
- Associated Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Associated Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing ACS collection 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.
