If Absolute Resolutions Investments shows up on your credit report, it likely means a collection account has been added. Collections can lower your credit score and stay on your credit report for up to seven years. But there are steps you can take to deal with them—and possibly remove them.
Who Is Absolute Resolutions Investments, LLC?
Absolute Resolutions Investments, LLC, also known as Absolute Resolutions Corporation (ARC), is a debt buyer and collection agency based in Bloomington, Minnesota. They purchase unpaid debts from original creditors and then attempt to collect the money.
If you see their name on your credit report, they likely purchased your debt and are now trying to collect it.
Who Does Absolute Resolutions Investments Collect For?
Absolute Resolutions primarily collects for themselves, since they purchase debts from other companies. The types of debts they buy often include:
- Credit card debt: Unpaid balances sold by credit card companies.
- Medical bills: Unpaid healthcare debts.
- Other outstanding accounts: Debts from various businesses or service providers.
Once they purchase these debts, they attempt to recover the money—and may report the account to the credit bureaus.
Is Absolute Resolutions Investments Legitimate?
Yes, Absolute Resolutions Investments is a legitimate debt collection company. But even if they are legitimate, that doesn’t mean the debt is valid or accurate. You should always verify any debt before making payments.
How to Remove Absolute Resolutions From Your Credit Report
A collection account can lower your credit score, but here’s how to address it:
- Dispute Inaccurate Information: If the account details are incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Request Debt Validation: You have the right to ask Absolute Resolutions to prove the debt is yours and confirm the amount is accurate. If they can’t provide proper documentation, they must remove the account.
- Negotiate a Pay-for-Delete Agreement: Some collectors will agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing before sending money.
- Work With a Credit Repair Service: Professionals can challenge inaccurate collections and help you improve your credit faster.
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Should You Contact or Pay Absolute Resolutions Investments?
Before contacting Absolute Resolutions or making a payment, confirm the debt is valid. It’s common to find mistakes or outdated debts listed on your credit report. Making a payment can also restart the clock for how long the debt affects your credit.
Many people work with a credit repair company to avoid damaging their credit further.
Can Absolute Resolutions Sue You or Garnish Your Wages?
Absolute Resolutions has the legal ability to sue for unpaid debts. If they win a lawsuit, they could pursue wage garnishment or other collection methods, depending on the laws in your state. Wage garnishment requires a court order and cannot happen automatically.
Lawsuits are typically a last resort, but it’s important to know your rights and understand your state’s rules.
Complaints Against Absolute Resolutions Investments
Many debt collection agencies, including Absolute Resolutions, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information reported to credit bureaus
- Harassment or excessive contact
- Failure to provide proper debt validation
If you experience these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With Absolute Resolutions
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Allowing you to dispute inaccurate information on your credit report
- Giving you the right to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Knowing your rights can help you handle debt collectors more confidently.
Absolute Resolutions Investments Contact Information
Address:
Absolute Resolutions Investments, LLC
8000 Norman Center Dr, Suite 350
Bloomington, MN 55437
Phone: (800) 713-0670
Remove Absolute Resolutions From Your Credit Report Today
Dealing with collections can be stressful, but you don’t have to face it alone. Credit Saint has helped thousands of people challenge inaccurate accounts and improve their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
To explore your options for disputing Absolute Resolutions accounts, visit their website or call (855) 281-1510 today.
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.
