Advantage Financial Services

Is Advantage Financial Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Advantage Financial Services?

Advantage Financial Services, LLC is a debt collection agency located in Boise, Idaho. They specialize in recovering unpaid debts for various companies.

If you notice their name on your credit report, it’s most likely because you have an unpaid bill that has been transferred or sold to them.

Who does Advantage Financial Services collect for?

Advantage Financial Services caters to a wide variety of industries. They collect debts on behalf of medical institutions, banks, lenders, government agencies, and commercial businesses. Their clients typically include entities that offer credit services or loans to customers.

Is Advantage Financial Services legit or a scam?

Advantage Financial Services is indeed a legitimate company. They are legally authorized to collect debts on behalf of their clients.

However, it’s important to exercise due diligence when dealing with any debt collection agency. It is always recommended to verify any debts they claim you owe before making any payments.

How can I remove Advantage 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.

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.

Advantage Financial Services, LLC Contact Information


Advantage Financial Services
10 S Cole Road
Boise, ID 83709-0930

Phone number: (208) 258-2272

Should I contact or pay Advantage Financial Services?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Advantage Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Advantage Financial Services on behalf of their clients.

Will Advantage Financial Services sue me or garnish my wages?

Advantage Financial Services does have the legal right to sue for an unpaid debt. If they win the case, they may obtain a judgment from the court that allows them to garnish your wages or bank account, or even place a lien on your property. However, before it reaches that point, they must provide you with adequate notice, and you have the right to defend yourself in court.

Advantage 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 are being harassed by Advantage Financial Services, 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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Advantage Financial Services, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Advantage Financial 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Advantage Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Advantage Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Advantage Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Advantage Financial Services From Your Credit Report Today!

Lexington Law can assist you in disputing Advantage Financial Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.