If AG Adjustments, Ltd. shows up on your credit report, it usually means a commercial debt tied to your business has been sent to collections. Here’s what you need to know and how to get it removed.
Who Is AG Adjustments, Ltd.?
AG Adjustments, Ltd. (often called AGA) is a commercial debt collection agency based in Melville, New York. They focus on collecting unpaid business debts on behalf of original creditors.
If AG Adjustments is listed on your credit report, it likely means a business-related account became past due and was handed over to them for collection.
Is AG Adjustments, Ltd. Legitimate?
Yes, AG Adjustments, Ltd. is a legitimate collection agency. They are authorized to collect debts for their clients. However, never assume a debt is valid without verifying the details.
Errors happen, so always check the accuracy of any account they report before making payments.
Who Does AG Adjustments Collect For?
AG Adjustments works with businesses that extend credit to other businesses. Their clients often include companies that sell products, equipment, or services to businesses on payment terms.
If you see them on your credit report, the account probably started as a business debt that became delinquent.
How to Remove AG Adjustments From Your Credit Report
A collections account can stay on your credit report for up to seven years, even if you pay it. But you may be able to get it removed sooner by taking the right steps:
- Dispute Inaccurate Information: If the debt isn’t yours or the details are wrong, file a dispute with the credit bureaus. They must investigate and correct or remove inaccurate items.
- Request Debt Validation: You can send AG Adjustments a written request asking them to prove the debt belongs to you and that the amount is correct. If they can’t, they are required to stop collection efforts.
- Negotiate a Pay-for-Delete: In some cases, you may be able to negotiate an agreement to pay part or all of the debt in exchange for removal from your credit report. Always get this agreement in writing.
- Hire a Credit Repair Service: Credit repair companies help dispute inaccurate information and negotiate with collectors like AG Adjustments on your behalf.
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 AG Adjustments, Ltd.?
Be cautious when speaking with debt collectors. Talking to them or making a payment can restart the clock on how long they can legally pursue the debt, depending on your state’s laws.
Before paying or engaging, confirm the debt is legitimate and accurately reported. If you’re unsure how to handle it, consider working with a credit repair company. They help clients remove millions of negative items from credit reports each year, including accounts from AG Adjustments.
Can AG Adjustments Sue You or Garnish Your Wages?
Debt collectors, including AG Adjustments, can sue to recover unpaid debts, but lawsuits are usually a last resort. Legal action is expensive and time-consuming for them.
Before suing, they’ll typically try to collect through phone calls, letters, or payment plan offers. If they do sue and win, they could garnish your wages or place a lien on your property, depending on your state’s laws.
AG Adjustments, Ltd. Contact Information
Address:
AG Adjustments, Ltd.
740 Walt Whitman Rd
Melville, NY 11747-2212
Mailing Address:
AG Adjustments, Ltd.
PO Box 9090
Melville, NY 11747
Phone Numbers:
(631) 425-8800
(888) 496-1600
Common Complaints About AG Adjustments, Ltd.
Many debt collection agencies face complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Harassment or repeated calls
- Failing to properly verify debts
If you believe your rights are being violated or you’re being harassed, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With AG Adjustments, Ltd.
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair treatment and inaccurate reporting.
Here’s what AG Adjustments cannot do:
- Report false or incomplete information
- Harass, threaten, or use abusive language
- Misrepresent their identity or intentions
- Threaten arrest or jail over unpaid debts
You also have the right to request debt validation. They must provide proof that the debt belongs to you and the amount is correct within 30 days of your written request.
Get Help Removing AG Adjustments From Your Credit Report
Struggling with collections from AG Adjustments? Credit Saint can help dispute inaccurate items and work to improve your credit. They’ve been helping clients for over 15 years—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to learn more.
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.
