If Access Receivables Management has popped up on your credit report, you might be wondering who they are—and how to get rid of them. Here’s what you need to know to take control of the situation and protect your credit.
Who Is Access Receivables Management?
Access Receivables Management is a third-party debt collection agency based in Hunt Valley, Maryland. They’ve been collecting debts since 1999 and work on behalf of companies trying to recover unpaid balances.
If you see them listed on your credit report, it likely means an unpaid bill was sent to collections.
What Types of Debts Does Access Receivables Collect?
Access Receivables works across several industries, including:
- Government agencies – Unpaid taxes or fees
- Healthcare – Medical bills or insurance-related debt
- Higher education – Tuition balances or student account debts
- Telecom – Past-due phone, internet, or cable bills
- Transportation and logistics – Freight or shipping charges
If you’ve fallen behind on a bill in one of these areas, they might be the ones contacting you.
Is Access Receivables Management Legit?
Yes—Access Receivables is a legitimate debt collection company. They’re not a scam, but that doesn’t mean every claim they make is accurate. Always verify the debt before agreeing to pay. Mistakes happen, and collection accounts often include incorrect or outdated information.
How to Remove Access Receivables From Your Credit Report
A collection account can stay on your credit report for up to seven years. But there are a few ways you might be able to remove it sooner:
1. Dispute Any Errors
Check your credit report closely. If anything looks off—like the balance, dates, or even whether the debt is yours—you can file a dispute with the credit bureaus. If Access Receivables can’t verify the details, the account must be removed.
2. Request Debt Validation
Under federal law, you have the right to request proof that the debt is valid. Send a debt validation letter within 30 days of their first contact. If they can’t provide documentation, they must stop collecting and remove the item from your report.
3. Negotiate a Pay-for-Delete
In some cases, you can offer to settle the debt in exchange for getting the collection removed from your credit report. This is called a pay-for-delete agreement. Be sure to get it in writing before sending any money.
4. Work With a Credit Repair Service
If you’re overwhelmed or unsure how to handle the process, a credit repair company can step in. They know how to challenge inaccurate items and negotiate with collection agencies on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Access Receivables Management?
Before you pay anything, confirm the debt is accurate and within the statute of limitations. Paying an old or invalid debt could reset the clock and make it harder to remove.
If you decide to pay, try to negotiate a pay-for-delete rather than just settling the balance. Otherwise, the account may remain on your report as “paid,” which doesn’t improve your score much.
Could Access Receivables Sue or Garnish Wages?
Yes, it’s possible. If they sue you and win, they could get a court order to garnish your wages or freeze your bank account. That said, lawsuits are usually a last resort. Most collectors prefer to negotiate a payment plan before taking legal action.
Complaints About Access Receivables
Like many collection agencies, Access Receivables has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting debts that aren’t accurate
- Failing to validate debts
- Aggressive or harassing collection tactics
If you feel your rights have been violated, you can submit a complaint directly to the CFPB.
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 the right to:
- Dispute incorrect information on your credit report
- Request written proof of the debt
- Stop harassment and abusive language
- Be treated fairly and honestly by all debt collectors
Collectors cannot lie to you, threaten arrest, or call you repeatedly. They must be upfront about who they are and why they’re contacting you.
Access Receivables Contact Information
- Mailing Address:
Access Receivables Management, Inc.
11350 McCormick Rd EP III Ste 800
Hunt Valley, MD 21031 - Phone: (877) 276-8600
Need Help Removing Access Receivables From Your Credit Report?
Debt collectors can be tough to deal with, especially when they’re hurting your credit. A professional credit repair service can step in, challenge inaccurate accounts, and handle the back-and-forth for you.
Credit Saint has helped thousands of people clean up their credit reports—including accounts from Access Receivables—and they back their work with a 90-day money-back guarantee.
Call (855) 281-1510 or visit their website to get started.
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.
