Seeing Accurate Collection Services on your credit report can lower your credit score and feel frustrating. Here’s what you need to know and how to handle it.
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 recover unpaid debts.
If they appear on your credit report, it means they are trying to collect a debt that was turned over to them.
Who Does Accurate Collection Services Collect For?
Accurate Collection Services collects past-due debts for different types of businesses, including:
- Healthcare providers
- Utility companies
- Financial institutions
- Other lenders or service providers
Is Accurate Collection Services Legitimate?
Yes, Accurate Collection Services is a real debt collection company. They are authorized to collect debts for their clients. However, as with any collector, it’s important to verify the debt details before making payments or agreements.
How to Remove Accurate Collection Services From Your Credit Report
Collections can damage your credit for up to seven years, but you have options to remove them:
- Dispute the account – Review your credit report for mistakes. If you find inaccurate details, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation – You can ask Accurate Collection Services to prove the debt is yours. If they can’t provide proper documentation, they must stop collecting, and the account may be removed.
- Negotiate a pay-for-delete – Some collection agencies agree to remove the account in exchange for payment. Get the agreement in writing before sending money.
- Hire a credit repair company – Professional credit repair services help challenge inaccurate collections and protect your credit.
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 Accurate Collection Services?
Before paying or speaking with Accurate Collection Services, confirm the debt is valid and still within your state’s statute of limitations. Making a payment can sometimes restart the clock on old debts, so know your rights.
Many people choose to work with credit repair experts who handle collectors like Accurate Collection Services and help resolve these accounts.
Can Accurate Collection Services Sue You or Garnish Wages?
Like other debt collectors, Accurate Collection Services can sue for unpaid debts. If they win, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
Not every account leads to a lawsuit. They typically weigh the debt amount, collection costs, and likelihood of success before pursuing legal action.
Accurate Collection Services Contact Information
Here’s how to reach them if needed:
Accurate Collection Services
17 Prospect St.
Morristown, NJ 07960
Phone: (866) 468-3371 or (973) 630-3050
Complaints About Accurate Collection Services
Debt collectors often face complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassing calls or messages
- Failure to verify debts
If you believe your rights have been violated, you can file a complaint with the CFPB or contact your state attorney general.
Your Rights When Dealing With Accurate Collection Services
You are protected by state and federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws guarantee:
- Accurate Collection Services cannot report false or incomplete information.
- You can request written proof the debt is valid through a debt validation letter. They must respond within 30 days.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency both verbally and in writing.
- They cannot threaten arrest or jail time for unpaid debts.
Get Help Removing Accurate Collection Services From Your Credit Report
If dealing with collection agencies feels overwhelming, working with a trusted credit repair company can help. Credit Saint has helped thousands of people challenge inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take the next step? Visit their website or call (855) 281-1510 to see how they can help improve your credit.
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.
