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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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AAFES Contact Information
Address:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing AAFES collections accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
