How to Remove Action Financial Services, LLC From Your Credit Report

Is Action Financial Services, LLC hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Action Financial Services, LLC?

Action Financial Services, LLC (AFS) is a debt collection agency based in Medford, Oregon.

You may see AFS listed on your credit report as a collections account. This can happen if you have defaulted on a federal student loan or other debt and they’ve hired a collection agency to collect that debt.

Who does Action Financial Services collect for?

Action Financial Services specializes in collecting student loan debt. On their website, it states they are “dedicated to recouping money for the U.S. Department of Education (ED).”

Action Financial Services tries to help borrowers transfer into an affordable repayment plan for their student loan(s) through the Federal Student Loan Rehabilitation Program or consolidate their student loan(s) through the Federal Direct Consolidation Program.

How can I remove Action Financial Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Action Financial Services, LLC (AFS) Contact Information


Action Financial Services, LLC
2055 Cardinal Ave
Medford, OR 97504

Mailing address:

Action Financial Services, LLC
PO Box 3250
Central Point, OR 97502

Phone number: (888) 253-4239

Should I contact or pay Action Financial Services?

Nothing good can come from speaking to a collection agency on the phone. However, when dealing with student loans, it’s best to work something out with your lender. Failure to pay student loan debt can ultimately result in a lawsuit and the possibility of having a judgment rendered against you, including wage garnishment.

You may also want to contact a professional credit repair service. They delete millions of negative items every year from companies like Action Financial Services for millions of clients nationwide.

And they may be able to help you too.

Will Action Financial Services sue me or garnish my wages?

In their attempt to collect a debt, sometimes a collection agency will resort to litigation, but you have nothing to worry about if you work with a law firm like Lexington Law. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Action Financial Services, LLC again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Action Financial Services to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Action Financial Services, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Action Financial Services, LLC does too.

Your Rights When Dealing with Action Financial Services

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Action Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Action Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
  • Action Financial Services cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Action Financial Services From Your Credit Report Today!

Lexington Law specializes in disputing Action Financial Services accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.