ARS Account Resolution On Your Credit Report?

March 30, 2023

ARS Account Resolution 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 ARS Account Resolution from your report - without paying your debt (potentially)

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Understanding ARS Account Resolution

Dealing with debt can be tough, and it's even tougher when you're contacted by a debt collection agency like ARS Account Resolution. This agency specializes in collecting unpaid debts from a variety of industries, including:

  • Healthcare
  • Telecommunications
  • Utilities
  • Financial services

Typically, they purchase the debt at a discounted price and use various methods to recover the full amount from the debtor. If you find yourself in this situation, remember to humanize the conversation and keep in mind your rights to protect your financial wellbeing.

Who Are ARS Account Resolution's Clients?

ARS Account Resolution is known to purchase unpaid debts from a range of industries, including healthcare, telecommunications, utilities, and financial services. They've even been employed by major companies like Verizon, AT&T, and Capital One to collect on their behalf. If ARS Account Resolution reaches out to you, it's crucial to recognize your rights and take action to safeguard your financial wellbeing.

Is ARS Account Resolution A Legitimate Debt Collection Company?

It's worth noting that ARS Account Resolution is a legitimate debt collection agency. However, there have been consumer complaints filed against them. Despite operating within legal boundaries, they're required to follow all rules and laws when attempting to collect on a debt. That said, it's crucial to stay informed about your rights and take steps to protect your financial wellbeing if ARS Account Resolution contacts you.

Need Help With ARS Account Resolution?

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

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How Can I Remove ARS Account Resolution From My Credit Report?

Discovering that an account in collections with ARS Account Resolution has appeared on your credit report can be distressing, but there are steps you can take to address the situation. First and foremost, review your credit report thoroughly to make sure there are no errors. Once this is done, and you are sure the debt is valid, you may begin negotiating a pay-for-delete agreement where you offer to pay the debt in exchange for the company removing the negative information from your credit report.

In the event you believe there is an error on your credit report, the next step would be filing a dispute with the credit bureaus and providing supporting documentation. Additionally, established credit repair companies like Credit Glory can assist you in eliminating the negative item associated with ARS Account Resolution.

Why is ARS Account Resolution Contacting Me?

Receiving repeated calls from ARS Account Resolution can be overwhelming, but it's important to keep in mind that the reason they're calling is that you owe a debt that's been placed with them for collection. Although debt collectors are legally permitted to reach out to you under certain conditions, they must follow strict guidelines when doing so as set out by the Fair Debt Collection Practices Act (FDCPA). If you'd like to stop all communication from ARS Account Resolution, you have the right to send them a cease and desist letter. It's best to do this in writing and send it via certified mail to confirm receipt.

What Are the Most Common Mistakes on Credit Reports?

It's always a good idea to check your credit report for mistakes and inaccuracies, as they can have a negative impact on your credit score. Some common errors that might appear on your credit report include incorrect personal information, accounts that don't belong to you, account balances that are incorrect, late payments that were actually paid on time, collections or charge-offs you didn't make, and bankruptcies listed as more than 10 years old. Addressing and disputing these inaccuracies in a timely and efficient manner can help to protect your credit score.

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We've helped thousands of people remove errors from their report to get mortgages, auto loans, and so much more.

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What Are the Advantages of Having a Solid Credit Score?

Improving and maintaining a healthy credit score can unlock a number of financial benefits. With a strong credit score, you're more likely to enjoy access to prime loan rates, better credit card rewards, swift approvals, lower insurance premiums, and better job opportunities.

Additionally, maintaining a healthy credit score could result in reduced security deposit charges on apartments and utilities and stronger negotiation power when it comes to interest rates and loan terms. By prioritizing your credit score, you can experience these advantages now and secure future financial opportunities as well.

Common Grievances About ARS Account Resolution

It's worth noting that while ARS Account Resolution is a legitimate debt collection agency, they have received consumer complaints about certain practices. Common complaints include harassment, attempting to collect debts that are not owed, failing to provide evidence of debt, and reporting false information to credit bureaus. Should you be experiencing any of these issues with ARS Account Resolution, it's important to know your rights and take appropriate action to protect yourself. You may file a formal complaint with the Consumer Financial Protection Bureau (CFPB), or even seek legal advice to explore further options.

Can ARS Account Resolution Pursue Legal Action Against Me?

If ARS Account Resolution is successful in winning a lawsuit against you, they could have the ability to garnish your wages. It's worth noting, however, that wage garnishment laws vary by state, with most regulations stipulating that creditors cannot garnish more than 25% of your disposable income. That said, to protect yourself against potential wage garnishment, it's important to familiarize yourself with the specific laws and regulations in your state. Seeking legal advice can also help you to safeguard your financial well-being.

What Are My Rights When Dealing with ARS Account Resolution?

If you're dealing with debt collectors like ARS Account Resolution, it can be an overwhelming experience. It's important to understand your rights as a consumer, as enshrined by the Fair Credit Reporting Act (FCRA) and the FDCPA. The FCRA permits you to access and challenge errors on your credit report and to request outdated information be removed, with credit reporting agencies being required to ensure the accuracy of all information shared.

Meanwhile, the FDCPA outlines specific processes for collectors to comply with, including restrictions on the use of abusive or unreasonable language, and deception about the quantity or nature of the debt. If you believe that your rights have been violated by ARS Account Resolution or any other debt collector, you should consider filing a complaint with the CFPB.

Need Help With ARS Account Resolution?

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

Call (844) 656-0790

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Remove ARS Account Resolution From Your Credit Report, Today!

If you find yourself dealing with an account that has been placed in collections with ARS Account Resolution, it can absolutely have a negative impact on your credit score and cause difficulties down the line. However, at Credit Glory, we are committed to helping you maintain a healthy credit score and offering services to eliminate any negative impact that ARS Account Resolution's involvement may have.