Dealing with AAA Collections on your credit report? You’re not alone—and the good news is, you have options. Here’s everything you need to know about who they are, why they’re contacting you, and how to potentially get them off your credit report for good.
Who Is AAA Collections?
AAA Collections, Inc., also known as Advanced Asset Alliance, is a debt collection agency based in Sioux Falls, South Dakota. If you’re seeing their name on your credit report, it usually means an unpaid debt was sent to them for collection.
Who Do They Collect For?
AAA Collections works with small businesses, medical providers, and utility companies. That means the debt could be anything from an unpaid hospital bill to a past-due electricity account or a forgotten invoice from a local service provider.
Is AAA Collections a Real Company?
Yes, they’re a legitimate debt collection agency—not a scam. They’re authorized to collect debts on behalf of other businesses. But just because they’re legit doesn’t mean every claim they make is accurate. Always double-check that the debt is yours before taking action.
How to Remove AAA Collections From Your Credit Report
A collection account can hurt your credit score for up to seven years—but that doesn’t mean it has to stick around that long. Here are a few ways to remove it:
- Dispute the debt: If you believe there’s a mistake—wrong amount, incorrect name, or a debt that isn’t yours—you can file a dispute with the credit bureaus.
- Request debt validation: Under federal law, you can ask AAA Collections to prove the debt is valid and that you owe it. If they can’t, they have to stop reporting it.
- Negotiate a pay-for-delete: This means offering to pay the debt (in part or full) in exchange for AAA Collections removing the account from your credit report. Get any agreement in writing before paying.
- Work with a credit repair company: If you’re not comfortable handling the process yourself, credit repair professionals can do the heavy lifting for you and often have success getting collections removed.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay AAA Collections?
Before picking up the phone or sending money, take a step back. Confirm the debt is yours and still legally collectible. Making a payment can reset the statute of limitations, which may open you up to lawsuits or further collection activity.
In many cases, it’s smarter to work with a credit expert who knows how to handle collections the right way.
Can AAA Collections Sue You or Garnish Your Wages?
Yes, it’s possible—but it’s typically a last resort. AAA Collections can take legal action if you ignore the debt, and if they win in court, they could pursue wage garnishment depending on your state’s laws. That’s why it’s better to act early, either by disputing the debt or settling it before it escalates.
Common Complaints About AAA Collections
Like many collection agencies, AAA Collections has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Debts people say they don’t owe
- Harassment or repeated calls
- Refusing to verify a debt
If you’ve experienced any of this, you can file a complaint with the CFPB and should consider speaking with a consumer attorney or credit expert.
Know Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you powerful tools to fight back:
- You can dispute inaccurate or incomplete credit report items.
- You can request debt validation within 30 days of first contact.
- AAA Collections cannot harass, threaten, or mislead you.
- They must disclose they’re a debt collector and notify you in writing.
- They cannot threaten arrest or public shaming over unpaid debt.
Understanding your rights is the first step toward protecting your credit—and your peace of mind.
AAA Collections Contact Information
Address:
Advanced Asset Alliance
3500 S 1st Ave Cir #100
Sioux Falls, SD 57105
Phone: (605) 339-1333
Need Help Removing AAA Collections?
You don’t have to deal with it alone. Credit repair services like Credit Saint can help challenge collection accounts and remove inaccurate or outdated information from your credit report. With over 15 years of experience, they’ve helped thousands of people take control of their credit—and they offer a 90-day money-back guarantee if the service doesn’t work for you.
Get a free consultation: Call (855) 281-1510 or visit their website to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
