Is Allied Interstate On Your Credit Report?

Who is Allied Interstate's client base?

Allied Interstate is a collection agency that appears on your credit report when they've taken over a debt you owe.

Sometimes, they acquire the debt directly from the original lender, such as a credit card company or loan provider, often paying a fraction of the original amount for it. Alternatively, they may be working on behalf of another company to recover the debt, rather than owning it themselves.

You may receive communication from them via mail or phone calls, demanding repayment. The existence of a collection account on your credit report can negatively affect your score and your likelihood of securing a loan or other significant financial transactions.

However, there might be opportunities to have this account removed.

Does Allied Interstate affect my credit score?

Any derogatory mark within its statute of limitations, including a collections account, can have a severe impact on your credit score.

How can I remove Allied Interstate from my credit report?

If there are inaccuracies, errors, or fraudulent activity associated with the account, it may be possible to remove Allied Interstate from your credit report. According to a U.S. PIRGs study, 79% of credit reports contain mistakes or serious errors. We specialize in addressing these types of accounts for our clients.

Is Allied Interstate a debt collection agency?

Yes, Allied Interstate is a debt collection agency. They purchase debt from various creditors who have given up on collecting the amount themselves, often referred to as a "charge-off."

Should I agree to a pay-for-delete arrangement with Allied Interstate?

While it might seem like a good idea to pay off Allied Interstate to have credit bureaus remove it from your report, this approach has a downside. Once you pay a debt in collections, your credit report status changes from 'unpaid' to 'paid.' However, the collection will still appear on your report for seven years from the date of first delinquency, continuing to affect your credit.

Should I negotiate a settlement with Allied Interstate?

Whether settling your debt with Allied Interstate will benefit or harm your score depends on numerous factors. If there are any issues with the account, you might not have to pay anything and could potentially have it removed entirely, putting an end to their communications.

Is Allied Interstate a legitimate, fake, or scam company?

Allied Interstate is a legitimate company, not a scam or a fake one. However, they may resort to spam calls or harassment.

Why does Allied Interstate keep calling me?

Allied Interstate continues to call in an attempt to collect a debt. The best response is to ignore their calls and consult with a company that can help you get it removed.

Will Allied Interstate attempt to sue or garnish my wages?

Although it's rare, Allied Interstate might decide to sue in some cases. State and federal laws limit bank and wage garnishments, so we recommend contacting us to assess the likelihood of a lawsuit and explore steps to remove this collection.

Does Allied Interstate accept a goodwill letter to remove my collection/charge-off?

Based on our experience, Allied Interstate typically does not accept goodwill letters to remove collection accounts or charge-offs, which is common among most collection agencies.

Who are Allied Interstate's clients?

Allied Interstate collects on behalf of a range of creditors. These change regularly, and collection agencies like Allied Interstate typically do not publicly disclose their sources.

What Rights Do I Have When Interacting with Allied Interstate?

You possess the right to challenge any debt that Allied Interstate is attempting to collect from you. Both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) regulate Allied Interstate. Although these acts may seem complex, they can provide significant leverage if utilized correctly.

What is the Contact Number for Allied Interstate?

Before reaching out to Allied Interstate, it might be beneficial to contact DIY Credit first. Why? The answer is straightforward. You might not want to settle the debt with Allied Interstate, particularly if there's a chance it could be inaccurate. Settling such a debt could potentially harm your credit score.

How Can I Access the Allied Interstate Login?

It might seem like a good idea to log into Allied Interstate.

However, we highly recommend contacting DIY Credit before doing so. We will help you understand why Allied Interstate appears on your report and explore how we might dispute (and possibly remove) it.

Get Allied Interstate Removed from Your Report Today!

In certain situations, we suggest consulting with DIY Credit to review your credit report. It's less stressful, less troublesome, and less time-consuming to let professionals identify the causes for your score decrease. If you need a trustworthy company to assist you in eliminating credit errors, don't hesitate to give us a call.

CALL US NOW AT 803-784-8100

or click here to book your appointment.