ARS Collections On Your Credit Report?

March 14, 2023

ARS 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 ARS Collections from your report - without paying your debt (potentially)

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Who is ARS Collections and What Types of Debt Do They Collect? 

When you're dealing with a debt collection agency, it's essential to know who you're dealing with. ARS Collections is one such company that handles various types of debt, including:

  • Credit card debts
  • Medical debt
  • Utility bills

If you have unexpected arrears on your credit card payments, then your account may already be in the hands of ARS Collections. Furthermore, they also deal with unpaid medical bills and utility invoices.

It's crucial not to overlook any contact from them as this can have serious consequences on your financial situation and eventually affect your credit score. The best step forward would be to communicate with ARS Collections directly to explore potential solutions or obtain professional advice from a credit repair service like Credit Glory.

Is ARS Collections Scamming Me?

It's totally normal to feel uneasy when ARS Collections, a debt collection agency, contacts you, but it's essential to recognize that they are a reputable company. Some customers have, however, been critical of their methods.

One such critique relates to the alleged aggressive tactics employed by ARS Collections to pursue unpaid debts - including repeated phone calls and letters or even contacting your acquaintances.

Another popular complaint is their potential attempts to collect money from people who don't necessarily owe it - maybe because of an inaccurate account record or if the said debt has already been settled.

Various reports filed with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB) point towards numerous grievances concerning ARS Collections; this doesn't necessarily mean all accusations are true or applicable in general.

If you're bothered by ARS Collections' practices and/or contacted regarding an unpaid debt, take action immediately. Make sure there aren’t any miscalculations with regards to your account, and verify that the amount is valid and owed by you. If paying off the sum is out of reach for you, consider seeking help from a credit repair service like Credit Glory to assist you in engaging and hopefully resolving the conflict with ARS Collections.

Need Help With ARS 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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Steps to Remove ARS Collections From Your Credit Report

Dealing with a collections account on your credit report can be daunting, but it's important to take action to remove it. Here are some steps you can take to remove ARS Collections from your credit report:

  • Get a copy of your credit report

Obtain a copy of your credit report from each of the three major bureaus - Equifax, Experian, and TransUnion. You're entitled to a free copy once a year.

  • Dispute the account

If you believe the ARS Collections account is inaccurate, dispute it with the relevant bureau. Write a letter detailing why you believe the account is incorrect and include any supporting documentation as necessary.

  • Negotiate a pay-for-delete agreement

If the account is accurate, you may be able to negotiate a pay-for-delete agreement with ARS Collections in which they remove the account from your credit report after you pay it in full.

  • Wait for the account to fall off

If disputing or negotiating isn't an option, then you'll have to wait for the account to fall off your credit report. Generally speaking, collections accounts remain on your credit report for seven years from the date of original delinquency.

Removing a collections account from your credit report can be time consuming, but ultimately worth it when it comes to improving your credit score. Consider consulting with a reputable credit repair company like Credit Glory who can help guide you through the process.

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Disputable Errors to Look out For on Your Credit Report

Your credit report is an important document that can impact your ability to get approved for loans or credit cards. Unfortunately, errors can sometimes appear on your credit report which can negatively affect your credit score. Here are some disputable errors to look out for:

  • Inaccurate personal information

Make sure your name, address, and social security number are all accurate. Any errors could indicate fraud or identity theft.

  • Incorrect account information

Check that your accounts are reported accurately, including the account balance, payment history, and credit limit.

  • Duplicate accounts

Ensure that you don't have any duplicate accounts listed on your credit report as this can artificially inflate your debt-to-income ratio.

  • Inaccurate public records

Public records such as bankruptcies, judgments, or tax liens should be accurate and up-to-date. If the debts have been paid off or discharged, they should no longer appear on your credit report.

If you find any errors on your credit report, you have the right to dispute them with the relevant credit bureau. Write a letter explaining the error and include any supporting documentation as necessary. Alternatively, consider consulting with a reputable credit repair company like Credit Glory who can help guide you through the dispute process and improve your credit score.

Can ARS Collections Sue Me or Garnish My Wages?

If you've been contacted by ARS Collections regarding a debt, naturally you'd want to know if they can impose legal action against you. In theory, the answer is yes - suing you or garnishing your wages are possibilities.

For ARS Collections to do this, they must go through the appropriate channels and provide evidence that you owe the debt. If successful in their lawsuit, they could then be granted a judgment against you; thus resulting in wage garnishment or putting a lien on any property of yours.

Fortunately, there are protective measures available for those unable to settle their due debts. Consult a credit repair service like Credit Glory who can help negotiate with ARS Collections and potentially come up with an agreeable settlement amount. You may also want to seek legal guidance from an attorney dealing in debt collection matters. They will explain your rights as well as offer assistance in negotiating payment plans or settlements with the collector.

Need Help With ARS 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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Get ARS Collections Removed From Your Credit Report, Today!

Have you been dealing with ARS Collections and are looking to remove them from your credit report? At Credit Glory, we understand the frustration of dealing with debt collectors, which is why our team of experts is here to help.

Using our expertise in credit reporting laws, we can assist you in disputing any errors or inaccuracies related to ARS Collections on your credit report. We'll help you through the dispute process and do everything possible to get them removed from your report.

With Credit Glory by your side, you can take proactive steps towards restoring your financial health and improving your credit score. Don't let ARS Collections stand in the way of achieving success - contact us today and learn more about our credit repair services!