If you see Account Resolution Corporation (ARC) on your credit report, it usually means you have an unpaid medical debt that has been sent to collections. Here’s what you need to know and how to get it removed from your credit file.
What Is Account Resolution Corporation?
Account Resolution Corporation is a third-party debt collection agency based in Chesterfield, Missouri. They collect unpaid debts on behalf of other companies, with a strong focus on the healthcare industry.
If ARC is trying to collect from you, their name may appear on your credit report as a collection account—something that can lower your credit score significantly.
Who Does ARC Collect For?
ARC is a division of Healthcare Revenue Recovery Group (HRRG), which specializes in medical debt collection. They work with:
- Hospitals
- Clinics
- Physicians’ offices
- Medical billing companies
If you’ve had a medical procedure or hospital stay and didn’t pay the bill, the debt may have been passed to ARC.
Is Account Resolution Corporation Legit?
Yes, Account Resolution Corporation is a legitimate debt collector. But even though they’re real, it’s still important to verify that any debt they claim is accurate and actually belongs to you.
Don’t assume the information is correct just because it appears on your credit report.
How to Remove Account Resolution Corporation From Your Credit Report
Collection accounts can stay on your credit report for up to seven years. But you may be able to get them removed sooner by taking the right steps:
- Dispute any inaccurate info – If the account has errors (wrong balance, wrong dates, or doesn’t belong to you), file a dispute with the credit bureaus.
- Negotiate a pay-for-delete – Offer to pay the debt if ARC agrees to remove the account from your credit report. Get any agreement in writing.
- Hire a credit repair service – Experts can handle disputes, communicate with ARC, and push for account removal 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 Contact or Pay Account Resolution Corporation?
Before paying, ask for a debt validation letter. This confirms the amount, creditor, and your responsibility for the debt. If they can’t verify it, they must stop collection efforts and remove it from your report.
Be careful—making a payment could restart the statute of limitations on the debt, which may make it collectible again depending on your state’s laws.
Many consumers choose to work with a credit repair company to avoid missteps and improve their chances of successful removal.
Can ARC Sue You or Garnish Your Wages?
Account Resolution Corporation can sue you to recover the debt. If they win the case in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Lawsuits are typically a last resort. Debt collectors usually attempt to recover payments through phone calls, letters, or settlement offers before turning to legal action.
ARC Contact Information
Account Resolution Corporation
700 Goddard Ave #1100
Chesterfield, MO 63005
Phone: (866) 933-3346 or (636) 733-3346
Complaints About Account Resolution Corporation
ARC has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Aggressive or repeated phone calls
- Failure to verify debts upon request
If you experience these problems, you can file a complaint and exercise your consumer protection rights.
Know Your Rights When Dealing With ARC
Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), you have rights. Debt collectors are not allowed to:
- Report false or incomplete information
- Refuse to validate the debt
- Harass or threaten you
- Lie about their identity or legal power
- Claim you’ll be arrested for not paying
You can send a debt validation letter, dispute credit report errors, and report any violations to the appropriate authorities.
Get ARC Removed From Your Credit Report Today
If you’re overwhelmed by collection accounts, professional help may be your best option. Credit Saint has over 15 years of experience helping people remove negative items like Account Resolution Corporation from their credit reports—and they offer a 90-day money-back guarantee if they don’t deliver.
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.
