AAFES Collections

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.

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

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.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 AAFES 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• AAFES Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• AAFES Collections 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.
• AAFES Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove AAFES Collections From Your Credit Report Today!

Credit Saint can assist you in disputing AAFES collections accounts. 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.