AAFES Collections


Is AAFES 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 AAFES?

The Army & Air Force Exchange Service (AAFES) is the retailer on U.S. Army and Air Force installations worldwide. They are headquartered in Dallas, Texas.

You may see them listed on your credit report as a collections account. This can happen if you’ve defaulted on your Exchange Credit Program or AAFES Military Star Card.

How can I remove AAFES Collections from my credit report?

AAFES 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.

(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.

AAFES Contact Information


Army & Air Force Exchange Service
310 Armed Forces Dr
Grand Prairie, TX 75051

Phone number: (972) 237-2389 or (800) 654-4074

Should I contact or pay AAFES 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 Credit reports can contain errors or list debts that are no longer valid.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 AAFES collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like AAFES on behalf of their clients.

Will AAFES sue me or garnish my wages?

AAFES does have the ability to sue you for unpaid debts. If they choose to take this route and a court rules in their favor, the judgment may allow them to garnish your wages or levy your bank account to recover the owed debt, depending on your state’s laws.

However, it’s worth noting that lawsuits are often a last resort due to the cost and time associated with court proceedings. Most collection agencies will first attempt to establish a payment plan or reach a settlement agreement.

AAFES 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 AAFES 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 AAFES 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.
  • AAFES Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • AAFES Collections 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.
  • AAFES Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove AAFES Collections From Your Credit Report Today!

Credit Saint can help you dispute AAFES collections accounts. 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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