Are Alliance One collections showing up on your credit report?
Have you been dealing with Alliance One? If so, the damage to your credit may be long-lasting, but it doesn’t have to be. There are some things you can do to get them removed from your report, legally and permanently.
What you should know about Alliance One
First and foremost, they are a collection agency that is trying to make a profit. Unfortunately for many consumers, they depend upon them to make that profit.
They specialize in collecting credit card debt, student loans, phone bill debt, debt for utility and medical bills, and even debts like traffic fines owed to local and state governments. They primarily make harassing phone calls to collect on the debts owed to them.
Want to Remove Alliance One from Your Credit Report?
Unlike some other debt collectors, Alliance One does not purchase old debts but instead works as a contractor for other companies or government entities, collecting a percentage of what they are able to recover as their payment.
Alliance One is quick to maintain on their site that the actual incidence of legal violations is “low to zero.” Stating that many city, county, and state governments rely on them to collect fines – including fines for such offenses as Failure to Show in court for traffic violations.
What’s worse is that types of debts may not be covered by the Fair Debt Collection Practices Act (FDCPA) because they may not be considered a “debt” as defined by the Act:
” § 803. Definitions
(5) The term ‘debt’ means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.”
This puts Alliance One directly in control of whether or not you can have your driver’s license reinstated, should you have the misfortune of forgetting to pay a traffic ticket! And as many people have found out the hard way, they seldom agree to a partial payment.
Government agencies aren’t the only institutions that use Alliance One to collect on past due debt, so if you have a consumer debt that gets picked up by them, know that the FDCPA still applies and still protects you.
Alliance One has been known to do the following questionable practices to collect:
- They will call relentlessly, and often many times in one day.
- They try to bully consumers to intimidate them to pay.
- They will yell at people, or even threaten legal action if bills are not paid quickly. This goes against the FDCPA.
- They will call friends and loved ones to find the person they are looking for.
Steps to Protect Yourself
Here are some steps that you can follow to protect yourself from a collection agency:
- Check your credit reports. Always make sure that they have not attempted to re-age the debt. If the debt is too old to be shown on your credit reports, they cannot legally add an entry onto your report.
- Request validation of the debt within 30 days of the first letter. All collection activity must stop until they send you written verification of the debt.
- Dispute any inaccurate information. This includes the amount of the debt, the dates of the debt, the original creditor and so on – if it is inaccurate, dispute it, or hire a credit repair specialist to take care of the disputes on your behalf.
- Be aware that they may not be as willing to negotiate with other creditors because they do not purchase debts. So they have little financial incentive to cut a deal, as any decrease in the amount they collect will also decrease what their clients pay them. In some instances, you may have more luck going to the clients directly.
- For old debts, educate yourself as to the statute of limitations (SOL) for collections in your state. If the SOL has already passed, they cannot sue you to recover the debt.
What should you do if Alliance One is contacting you?
First of all, stay calm. If you’re not sure who it is or why they’re calling, the worst thing you can do is panic and just pay them without knowing any background information. These companies make mistakes all the time. If you have doubts about what they are trying to collect, ask them to send you a debt validation letter.
You should also try to get them to work with you to collect any debt you may owe them. Remember, they are trying to make money by getting you to pay them money.
Ask them if they will accept a lower amount. Also, ask if they will remove any negative items from your credit report in exchange for your payment. Make sure you receive any agreement in writing if they agree to work with you in this manner.
If they are harassing you and not honoring your requests for them to stop, you may also want to consider sending them a cease and desist letter. This will make it so that they legally have to stop harassing you if they are not justified in their harassment.
How to contact Alliance One customer service
1160 Centre Pointe Drive
Mendota Heights, MN 55120
Phone number: 1-800-858-4472
Remember, if they have already damaged your credit, you can still dispute the negative items to get them removed. Doing so could help you improve your credit so you can qualify for lending and save money by paying lower interest rates on your loans.
How to Get Alliance One Removed from Your Credit Report
A Real Life Success Story from One of Our Readers
A few years ago I went through what a lot of Americans go through. I lost my job when my company went under, and as a result, I was unable to pay my bills. After running up lots of debt on credit cards, I was unable to keep up with the payments and the accounts were sent to collections.
Ultimately, I went bankrupt because of the stress this situation caused me. It was embarrassing and it did long-term damage to my credit. Fortunately, I was able to get help.
Having bad credit isn’t the end of my story
After struggling to get loans or any type of financing, a friend of mine told me to look into Lexington Law. I was a little disbelieving at first, but he continued to insist until I consented to look into them.
After calling them and speaking to a representative, I decided to sign up. They went to work right away by disputing the negative items I had on my report.
After a few weeks, I started getting letters saying that some of the negative items had been removed (see below). My credit improved steadily from that point on. Since then I have been able to buy my first home and my finances have been in great shape.
Alliance One Deleted from My Credit Report:
With the negative accounts removed from my credit history, my credit scores have improved significantly.
— T.B., Lexington client
— Brian, Lexington client
Discount for Family Members, Couples, and Active Military!
Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.
They are also offering active military members a one-time $50 discount off the initial fee.
Want to Remove Alliance One from Your Credit Report?
For over 28 years, Lexington Law has been the trusted provider of affordable credit repair solutions. They have been providing professional credit repair services and support to hundreds of thousands of people. Their many years of experience has helped them develop and refine their expertise to deliver optimal results.
If you are sick and tired of having bad credit and dealing with collection agencies call now for a free consultation!
The number is 1 (800) 220-0084. Upon calling they will pull your credit and also give you a free, no-obligation credit score and answer any questions you have about your credit situation.
List of Debt Collection Agencies
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- Alliance One
- Allied Interstate
- Alltran Financial
- ARS National Services
- Cavalry Portfolio Services
- Credit Collection Services
- IC Systems
- LVNV Funding
- Midland Credit Management
- MRS Associates
- NCO Financial
- Portfolio Recovery Associates
- RJM Acquisitions
- Transworld Systems
- Zwicker & Associates