ARStrat On Your Credit Report?

March 10, 2023

ARStrat 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 ARStrat from your report - without paying your debt (potentially)

Call (844) 656-0790

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Who Is ARStrat?

ARStrat is a debt collection agency that works with businesses to recoup unpaid debts from consumers. Debt collection agencies like ARStrat can be seen as overly aggressive and persistent in tracking down overdue payments. While it's essential to honor financial obligations, you must also remember your rights as a consumer and be familiar with the debt collection process to steer clear of unfair practices.

Why Are They Calling Me?

Are you getting regular calls from ARStrat and curious as to why they keep calling? There are quite a few possible explanations. Most commonly, it could be that they are looking to recuperate a debt due from you. Debt collection agencies such as ARStrat can be hired by original creditors or purchase the debt themselves in an effort to reclaim the money owed. They are allowed to contact you in an attempt to obtain payment for the debt. Moreover, these calls may also be intended for verifying your details or updating your account status.

How Should I Handle Calls From ARStrat?

If you're getting calls from ARStrat, it's essential to be aware of your rights and how to handle the situation. The initial step is to remain composed and hear out what they have to say. Make a note of the date and time of the call, the name of the caller, and the company they are calling from. You can also ask for their contact information so that you may reach them at a later period. If you don't recognize the debt or think it doesn't belong to you, then feel free to request more information and validation of the debt.

Don't forget that debt collection agencies have to abide by the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Bureau (CFPB). That means they are not permitted to bother or intimidate you, use offensive language, or call you at inopportune times or places. If ARStrat is disregarding your rights, then you can report it to the CFPB.

Need Help With ARStrat?

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

Call (844) 656-0790

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Who Does ARStrat Collect For?

ARStrat may collect debts for different companies and organizations, such as:

  • Healthcare organizations such as hospitals and medical centers
  • Utilities including electricity, gas and water providers
  • Banking institutions like credit card businesses and banks
  • Telecommunications corporations comprising cable and internet service suppliers
  • Government bodies including the IRS and regional tax agencies

There are different levels of difficulty when it comes to debt collection, and this can affect the approach taken by collection agents. With healthcare providers, for example, such as hospitals and medical clinics, recovering unpaid medical bills is often a more challenging task than other types of debts. The complexities involved in medical billing and insurance claims can make it more difficult to recover these amounts. On the other hand, debts owed to utility companies like electric, gas and water providers tend to be simpler because they're based on fixed amounts calculated from actual usage.

Is ARStrat a Scam Company?

ARStrat is a legitimate debt collection agency, and not a scam. They are obliged to comply with all applicable federal and state regulations, including the FDCPA. As such, ARSTRAT is authorized to collect debts on behalf of clients and contacts from individuals who owe them money. They may call or send letters requesting payment for any outstanding debt amounts that you owe.

It is wise to be wary of debt collectors, but it's important to remember that legitimate debt collectors have certain guidelines they must follow, such as not harassing or threatening you, not contacting you at inconvenient times or places, and not using false or deceptive practices. If you have concerns about the legitimacy of a debt collector, you can always check with the CFPB to ensure they are properly licensed and in compliance with the law.

How Do I Remove ARStrat From My Credit Report?

It's important to remember that negative items on your credit report from ARStrat can have a detrimental effect on your credit score and make it harder to obtain loans or other forms of credit. Fortunately, there are steps you can take to remove these items and improve your overall credit score. To start, take a look at your credit report and identify any errors or inaccuracies listed. If the item is incorrect, you can dispute it with the relevant credit bureaus and provide evidence if necessary. You may also want to contact ARStrat directly about a payment plan or settlement offer that could help improve your score without fully removing the negative item from your report.

However, if you're struggling to get rid of inaccurate items or come to an agreement with ARStrat, Credit Glory can help. Our team of experts will review your credit report and work with ARStrat and the bureaus on your behalf to ensure that your account reflects only accurate information. Reach out today for more information about how we can help improve your situation!

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What Are the Most Common Errors on Credit Reports?

You may find different types of errors on your credit report, including:

  • Incorrect personal details, like a misspelled name or outdated address
  • Inaccurate account information, such as a payment listed as late even though you paid on time
  • Accounts that don't belong to you
  • Duplicated listings
  • Incorrect balance amounts

To identify and dispute any errors on your credit report, review it regularly and carefully. You can get a free credit report from each of the three major credit bureaus every 12 months via Once you have your report, take a close look and make note of any mistakes you find.

To dispute an incorrect entry on your credit report, contact the issuer of the report. You can do this online, by phone or mail - provide specific details about the error and supporting documents if available. The credit bureau will then investigate the issue and update the information if needed, or provide you with an explanation for why it believes the info is accurate.

If you need help identifying or disputing errors on your credit report, Credit Glory can support you through their team of expert professionals who can review your report, pinpoint inaccuracies and assist with disputing them to the relevant people.

What Are the Benefits of Having a Great Credit Score?

A high credit score is a sign of good credit management, and it's an important thing to have for a variety of reasons. With a great credit score, you can have an easier time:

  • accessing to better loan rates and credit cards, which can save you money in the long run
  • renting an apartment
  • getting a job
  • getting approved for insurance

Here at Credit Glory, we know how critical a healthy credit score is; that's why we work with our clients to pinpoint areas of their report for improvement and build a strategy for raising their score. Our team of specialists have extensive experience in credit repair, allowing them to remove negative items from the report which might be bringing your score down. By working together, we can take the necessary steps to make sure you achieve your financial objectives and raise your credit score.

Can ARStrat Sue or Garnish My Wages?

If you owe money to ARStrat and they've filed a debt collection lawsuit against you, the court may award them with the right to garnish your wages. This means that part of your paycheck will be taken away each month and sent to them until your debt is paid off in full. 

If you're facing potential legal action from ARStrat due to debt, it's important to take the necessary steps to paying off this debt. You can try talking to them or the original creditor about payment plans or settlements – and make sure you keep up with any repayment terms agreed upon, as otherwise they may pursue legal action further. If you're having difficulty managing your finances, Credit Glory can assist by creating a customized plan and helping you avoid future legal action.

Need Help With ARStrat?

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

Call (844) 656-0790

Tap to call

Remove ARStrat From Your Credit Report, Today!

Don't let ARStrat's negative items on your credit report have a lasting impact on your financial future. With the help of Credit Glory, you can take steps to remove them from your credit report and improve your overall credit score - allowing for greater availability of financial opportunities in the future. Reach out to us today and see how we can work together to bring you closer to achieving your financial goals!