A1 Collections


Is A1 Collections hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with A1 Collections

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • A-1 Collection Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • A-1 Collection Agency must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • A-1 Collection Agency cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove A1 Collections From Your Credit Report Today!

Credit Saint can help you dispute A1 collections. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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