A1 Collections


Is A1 Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is A-1 Collection Agency?

A-1 Collection Agency, also known as A1 Collections, is a debt collection agency based in Grand Junction, Colorado. As a debt collector, their role is to recover outstanding debts on behalf of businesses.

If a debt associated with your name has been transferred to them, you may see A1 Collections listed on your credit report.

Who does A1 Collections collect for?

A1 Collections primarily specializes in collecting medical debt and overdue fees. Medical debt could arise from a variety of sources, such as unpaid hospital bills, physician fees, or costs associated with medical procedures and treatments. Overdue fees could refer to late payment penalties from various service providers.

Is A1 Collections legit or a scam?

A1 Collections is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove A1 Collections from my credit report?

A-1 Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

A-1 Collection Agency Contact Information


A-1 Collection Agency
715 Horizon Dr. Ste 401
Grand Junction, CO 81506

Phone number: (970) 241-2075

Should I contact or pay A1 Collections?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with A1 Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like A1 Collections on behalf of their clients.

Will A1 Collections sue me or garnish my wages?

A1 Collections has the legal right to recover the money owed to them, which may involve taking legal action including lawsuits. If they win the lawsuit, and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on your state’s laws.

However, it’s essential to remember that these are often last-resort measures. Before reaching that stage, most debt collectors will attempt to recover the debt through calls, letters, and payment arrangements.

A1 Collections Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with A1 Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for A1 Collections to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • A-1 Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • A-1 Collection Agency must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • A-1 Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove A1 Collections From Your Credit Report Today!

Credit Saint can assist you in disputing A1 collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.