Accurate Collection Services


Is Accurate Collection Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Accurate Collection Services?

Accurate Collection Services, LLC is a debt collection agency based in Morristown, New Jersey. They work on behalf of creditors to collect unpaid debts.

If you see Accurate Collection Services listed on your credit report, it typically means that you have an outstanding debt that was transferred to them for collection.

Who does Accurate Collection Services collect for?

Accurate Collection Services works with a variety of original creditors to collect past-due debts. These creditors could potentially be from different sectors, such as healthcare providers, utility companies, credit card companies, or other lending institutions.

Is Accurate Collection Services legit or a scam?

Accurate Collection Services, LLC is a legitimate company. They are authorized to collect debts on behalf of their clients. However, as with many debt collection agencies, they might engage in persistent communication efforts, such as phone calls, text messages, or emails, which some people may find intrusive or perceive as spam.

How can I remove Accurate Collection Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Accurate Collection Services Contact Information


Accurate Collection Services
17 Prospect St.
Morristown, NJ 07960

Phone number: (866) 468-3371 or (973) 630-3050

Should I contact or pay Accurate Collection Services?

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 Accurate Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Accurate Collection Services on behalf of their clients.

Will Accurate Collection Services sue me or garnish my wages?

Accurate Collection Services, like other debt collectors, can sue for unpaid debts. If they win the lawsuit, they secure a court judgment. This judgment could allow them to garnish your wages, depending on your state laws. Other methods they may use to collect debt include levying your bank account or placing a lien on your property.

Not all debt collectors will sue for each debt. The decision to sue is influenced by many factors. These include the size of the debt, litigation costs, and chances of successful collection.

Accurate Collection Services 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 Accurate Collection Services

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 Accurate Collection Services 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.
  • Accurate Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Accurate Collection Services 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.
  • Accurate Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Accurate Collection Services From Your Credit Report Today!

Credit Saint can help you dispute Accurate Collection Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.