ACA Collections is a debt collection agency that may report a collection account on your credit report. This could imply that they have bought the debt from the original creditor such as a loan or credit card company, often for a fraction of the original cost. Alternatively, they could be collecting on behalf of another company without owning the debt themselves.

They might try to contact you through mail or phone calls to demand payment. The appearance of a collections account on your credit report can negatively affect your score and the likelihood of loan approval or other significant financial events. However, it may be possible to have this account removed.

Does ACA Collections Affect My Credit Score?

Indeed, any derogatory mark within its statute of limitations can severely damage your credit score, and a collections account is no exception.

How Can I Remove ACA Collections From My Credit Report?

If any information on the account is incorrect, erroneous, or fraudulent and cannot be corrected in a timely manner, it may be possible to remove ACA Collections from your credit report. According to U.S. PIRGs research, 79% of credit reports contain mistakes or serious errors. We specialize in addressing these types of accounts for our clients.

Is ACA Collections A Genuine Debt Collection Agency?

Yes, ACA Collections is a genuine debt collection agency. They procure debt from various creditors who have given up on trying to collect the amount themselves (sometimes referred to as a "charge-off").

Should I Opt For Pay For Delete With ACA Collections?

While paying off ACA Collections to have credit bureaus erase it from your report may seem appealing, it comes with a catch. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collections still appear on your report for seven years (from the date of first delinquency), thereby still affecting your credit.

Should I Negotiate A Settlement With ACA Collections?

Settling your debt with ACA Collections could either improve or harm your score, depending on various factors. You might not have to pay at all, and if there are any issues with the account, you might be able to have it removed entirely (and never hear from them again).

Is ACA Collections Legitimate, Fake, Or A Scam?

ACA Collections is a legitimate company. They are not fake or a scam, although they may frequently call and harass you.

Why Does ACA Collections Keep Calling Me?

ACA Collections keeps calling in an attempt to collect a debt. The best course of action is to ignore their calls and contact a company that can assist you in getting it removed.

Will ACA Collections Attempt To Sue Or Garnish My Wages?

It's highly unlikely that ACA Collections will opt to sue. Although it can happen in rare cases, it's not the norm. State and federal laws have limits or 'exemptions' that apply to bank and wage garnishments. We strongly recommend contacting us to determine the likelihood of a lawsuit and how to get this collection removed.

Does ACA Collections Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Based on our experience, ACA Collections typically doesn't accept goodwill letters to remove collection accounts or charge-offs, which is common among most collection agencies.

Who is ACA Collections Collecting Debts For?

ACA Collections collects debts for a range of creditors, but this changes frequently, and collection agencies like ACA Collections usually do not publicly disclose who they buy from.

What Are My Rights When Dealing With ACA Collections?

You have the right to dispute any debt that ACA Collections is trying to collect. ACA Collections is regulated by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Although these acts may seem complex, they can provide significant power to you if used correctly.

What Is ACA Collections' Phone Number?

We recommend calling DIY Credit first. Why? Simply because you may not want to pay ACA Collections debt, especially if it's potentially inaccurate. Paying it off could harm your score.

Where Can I Find ACA Collections Login?

Logging into ACA Collections may seem like a good idea, but we strongly advise contacting DIY Credit first. We'll review why ACA Collections is on your report and see how we might be able to dispute (and potentially remove) them.

Remove ACA Collections From Your Report Today!

In some instances, we suggest consulting with a Credit Repair professional to analyze your credit report. It's far less stressful, time-consuming, and inconvenient to allow professionals to identify the reasons for your score drop. If you're seeking a trustworthy company to help you eliminate credit errors, please contact us.

CALL US NOW AT 803-784-8100