Who is AR Concepts Collecting For?

AR Concepts is a debt collection agency that reports collection accounts on your credit report.

Sometimes, AR Concepts buys this debt from the original creditors, like credit card companies or loan providers, usually at a fraction of the cost. In other instances, they might not own the debt themselves but are hired to collect it on behalf of another company.

Communications from AR Concepts may come in the form of mail or phone calls demanding payment, and their collection account appearing on your credit report can negatively impact your credit score and your ability to secure a loan or other financial services. However, it may be possible to have this account removed.

Does AR Concepts affect my Credit Score?

Yes, any derogatory mark within its statute of limitations, including a collections account, can severely damage your credit score.

How Can I Remove AR Concepts from My Credit Report?

If there are errors, inaccuracies, or fraudulent information on the account, it may be possible to remove AR Concepts from your credit report. A study by the U.S. PIRGs found that 79% of credit reports contain mistakes or serious errors. We specialize in addressing these types of accounts for our clients.

What is AR Concepts?

AR Concepts is a legitimate debt collection agency. They purchase debt from various creditors who have given up on collecting the debt themselves, also known as a "charge-off".

Should I Pay to Delete with AR Concepts?

While paying off AR Concepts to delete it from your credit report may seem like a good idea, doing so changes your credit report status from 'unpaid' to 'paid', but the collections still appear on your report for seven years from the date of the first delinquency. This means that your credit will still be affected.

Should I Negotiate a Settlement with AR Concepts?

Settling your debt with AR Concepts might help your score, but it could also hurt it. The answer depends on many factors. If there are any issues with the account, you might not have to pay at all and could even have it removed altogether.

Is AR Concepts a Scam?

AR Concepts is a legitimate company, not a scam or fake business. However, they may frequently call and harass you.

Why Does AR Concepts Keep Calling Me?

AR Concepts continues to call in an attempt to collect a debt. It's best to ignore their calls and consult with a company that can help you get it removed.

Will AR Concepts Sue or Garnish My Wages?

It's highly unlikely that AR Concepts will sue. Although it might happen in rare cases, it's not the norm. State and federal laws provide limits or 'exemptions' for bank and wage garnishments. We recommend contacting us to assess the likelihood of a lawsuit and steps for removing this collection.

Does AR Concepts Accept Goodwill Letters?

In our experience, AR Concepts does not accept goodwill letters to remove collection accounts or charge-offs. This is typical of most collection agencies.

Who is AR Concepts Collecting For?

AR Concepts collects on behalf of various lenders, referred to as creditors. These creditors change frequently, and collection agencies like AR Concepts typically do not publicly disclose who they buy from.

What Are My Rights with AR Concepts?

You have the right to dispute any debt that AR Concepts is trying to collect. AR Concepts must comply with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). While these acts might seem complicated, they empower you if used correctly.

How Can I Contact AR Concepts?

Before reaching out to AR Concepts, we recommend contacting DIY Credit first. Especially if the debt is potentially inaccurate, paying it off could negatively impact your score.

Where Can I Log into AR Concepts?

While you can log into AR Concepts, we strongly recommend contacting a Credit Repair company like us first. We can review why AR Concepts is on your report and explore ways to dispute and potentially remove them.

Remove AR Concepts from Your Report Today!

In some cases, we suggest consulting with a Credit Repair professional to analyze your credit report. It's less stressful, less time-consuming, and more efficient to let professionals identify the reasons for your score drop. If you're looking for a reliable company to help you remove credit errors, give us a call.

CALL US NOW AT 803-784-8100