Alliance Collections On Your Credit Report?

March 29, 2023

Alliance Collections is a debt collection company

You may not have to pay your debt (paying it may hurt your score)

Call now to find out if you can remove Alliance Collections from your report - without paying your debt (potentially)

Call (844) 656-0790

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Who is Alliance Collections?

Alliance Collections is a debt collection agency that concentrates on reclaiming past due debts on behalf of creditors. Their customers span across a wide range of sectors, which includes healthcare providers, credit card companies, and financial institutions.

  • Debt collection categories

Their primary focus is on collecting consumer debt. This includes personal loans, credit card debt, medical debt, and utility bills.

  • Acquiring debt

There are numerous methods through which debt is acquired, like missing payments, going beyond credit limits, and incurring additional fees and charges.

Who Does Alliance Collections Collect For?

One of the industries Alliance Collections collects debts for is healthcare, alongside financial services, telecommunications, and utilities. They attend to the needs of small and large businesses and individual creditors alike.

Alliance Collections values the significance of maintaining excellent relationships with their clients, and they focus on providing proficient and effective debt recovery services.

Is Alliance Collections A Scam?

Alliance Collections is a lawful debt collection agency that adheres to applicable laws. The Consumer Financial Protection Bureau (CFPB) regulates and licenses them, while they must comply with the Fair Debt Collection Practices Act (FDCPA) stringent regulations.

As much as Alliance Collections is not a fraudulent company, some customers have filed complaints against them. Frequent complaints include harassing phone calls, aggressive collection measures, and inaccurate reporting to credit bureaus. It's essential to be aware of your privileges when dealing with debt collectors and to report any misconduct to authorized bodies.

Need Help With Alliance Collections?

Speak with one of our friendly Credit Specialists to find out how we can help you.

Call (844) 656-0790

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How Do I Remove Alliance Collections From My Credit Report?

If you are looking to get Alliance Collections removed from your credit record, here is a step-by-step guide:

  • Request a copy of your credit report from any or all three credit bureaus--Equifax, Experian, and TransUnion.
  • Evaluate the report and point out anything reported by Alliance Collections that may be incorrect, incomplete, or outdated.
  • Create a dispute letter to the credit bureaus detailing the inaccurate information, adding in your name and address as well as the account numbers in question.
  • Send the dispute letter via certified mail with a request for a return receipt.
  • The credit bureau must investigate your dispute within 30-45 days and provide you with a resolution; if the information proves to be false then they must remove it from your credit report.
  • If you don't feel sure about contesting items on your credit report yourself, consider hiring an experienced credit repair firm like Credit Glory for assistance.

Why Does Alliance Collections Keep Calling Me?

If Alliance Collections is attempting to collect a debt from you that doesn't belong to you or has already been paid, you can dispute it by sending a written request for verification. As per the FDCPA, debt collectors like Alliance Collections must cease calling you once you have made your request in writing. You may also state that they should only communicate with you through written communication.

If Alliance Collections continues to call after your written request, they could be infringing on the FDCPA and you can report them to the CFPB or the Better Business Bureau. CFPB can enforce the laws and hold debt collection companies accountable for infringing on the rights of consumers. The Better Business Bureau attempts to generate a resolution between the company and the consumer.

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What Are the Most Common Errors on Credit Reports?

Errors on credit reports can occur for a variety of reasons including human error, identity theft, and old data. Common mistakes found on credit reports include:

  • Incorrect personal information such as your name or address
  • Inaccurate account details like late payments or accounts that are not yours
  • Duplicated accounts or payments
  • An outdated list of accounts that have been closed
  • Accounts marked delinquent or in collections that were previously paid off
  • Incorrect credit limits or account balances

It is crucial to check your credit report routinely to confirm that there are no errors which could be damaging your credit score. If you discover any discrepancies, take action immediately to dispute them with the major credit bureaus.

What Are the Benefits of Having a Great Credit Score?

Having an excellent credit score can open up a world of financial opportunities, from loans with lower interest rates to attractive credit card rewards and even improved job prospects. A good credit score can also make it much easier to get insurance at a good rate and to be approved for loans or credit cards.

With an excellent credit score, you will find yourself with more options when it comes to getting a loan. You could be eligible for mortgages, car loans and personal loans with better interest rates which can save you thousands over the course of these loans. 

Furthermore, you may gain access to greater perks from your credit cards like cash back or travel points. At times, employers may even check your credit report during the hiring process; if you possess an impressive score then this could prove beneficial in helping you secure that dream job.

Can Alliance Collections Sue or Garnish my Wages?

If you owe Alliance Collections money, they may be able to take legal action against you in court. However, they cannot garnish your wages without a court order. Should the court decide to issue an order of garnishment, your employer is then obligated to withhold part of your paycheck and send it to the creditor until your debt has been settled. Prior to this, Alliance Collections must observe certain legal processes. It is highly recommended that you seek professional legal advice if you are confronted with a lawsuit or wage garnishment from Alliance Collections.

Need Help With Alliance Collections?

Speak with one of our friendly Credit Specialists to find out how we can help you.

Call (844) 656-0790

Tap to call

Remove Alliance Collections From Your Credit Report with Credit Glory

Are you struggling with negative items on your credit report from Alliance Collections? If so, then this can have a negative impact on your credit rating and make it harder to be approved for loans or credit cards. But you don't have to worry––Credit Glory is here to help. Our team of professionals can assist in disputing errors on your credit report and negotiating with creditors in order to remove these declarations. Get started now by contacting us for a free consultation and take that initial step towards enhancing your credit score.