Action Collection Service


Is Action Collection Service hurting your credit score?

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

Who is Action Collection Service?

Action Collection Service, Inc. (ACS) is a debt collection agency that operates primarily out of Boise, Idaho, with an additional office in Idaho Falls. They also operate as Action Collection Services.

If ACS appears on your credit report as a collection account, it typically means you have an unpaid bill which has been transferred to them for collection.

Who does Action Collection Service collect for?

Action Collection Service provides its debt collection services to a variety of businesses and organizations. These can range from small businesses to large corporations, professionals such as medical practitioners, lawyers, and accountants, as well as government agencies.

Is Action Collection Service legit or a scam?

Action Collection Service is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Action Collection Service 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.

Action Collection Service, Inc. Contact Information


Action Collection Service, Inc.
6148 N Discovery Way Ste 100
Boise, ID 83713

Phone number: (844) 842-1750 or (208) 345-1750

Should I contact or pay Action Collections?

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 Action Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Action Collection Service, Inc. on behalf of their clients.

Will Action Collection Service sue me or garnish my wages?

Action Collection Service is legally entitled to sue a debtor in court. If they win the lawsuit, they may be granted a judgment that permits them to garnish wages or levy bank accounts, depending on local laws and regulations.

However, such actions are often a last resort after numerous attempts to collect the debt through other means have failed. Keep in mind that, despite the legal possibilities, not all agencies will choose to go to court as it is often a costly and time-consuming process.

Action Collection Service, Inc. 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 Action Collection Service, Inc.

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

Remove Action Collection Service From Your Credit Report Today!

Credit Saint can help you dispute Action Collection Service 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.