Alliance One

Is Alliance One 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 Alliance One?

Alliance One Receivables Management, Inc. is a debt collection agency based in Trevose, Pennsylvania. They are in the business of recovering debts on behalf of various creditors.

When a consumer has an outstanding debt that the original creditor cannot collect, they often sell or assign that debt to a collection agency like Alliance One. The agency then assumes responsibility for collecting the debt, typically earning a percentage of the amount recovered as their fee.

If Alliance One is listed on your credit report as a collections account, this signifies that you have an unpaid bill which they are attempting to collect.

Who does Alliance One collect for?

Alliance One provides debt collection services for companies across various sectors. They work with clients in the education and government sectors, credit card companies, the healthcare industry, telecommunication companies, and utility providers.

These sectors often generate significant amounts of consumer debt, which can sometimes be challenging to collect. By hiring an agency like Alliance One, these companies aim to recover as much of their outstanding debt as possible.

Is Alliance One legit or a scam?

Alliance One is a legitimate company. They’ve been in business since 1998. However, like many collection agencies, they might frequently contact you via phone calls, text messages, or emails to recover the debt.

How can I remove Alliance One Collections from my credit report?

Alliance One 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.

Alliance One Contact Information


AllianceOne Receivables Management, Inc.
4850 E. Street Road, Suite 300
Trevose, PA 19053

Mailing address:

AllianceOne Receivables Management, Inc.
PO Box 3100
Southeastern, PA 19398-3100

Phone number: (800) 858-4472 or 215-354-5511

Should I contact or pay Alliance One?

It’s best to avoid speaking to a debt collector 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 Alliance One is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alliance One on behalf of their clients.

Will Alliance One sue me or garnish my wages?

Alliance One does have the legal right to take legal action against you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment which could potentially allow them to garnish your wages or levy your bank account depending on your state’s laws.

However, it’s important to note that before it reaches this stage, they must provide proof that you owe the debt, and you would have the opportunity to dispute the debt or potentially negotiate a payment plan.

Also, wage garnishment is usually considered a last resort after all other collection attempts have failed. The process for wage garnishment varies by state, and not all states allow wage garnishment for consumer debts.

Is Alliance One hurting my credit score?

Any derogatory item on your credit report, including a collection account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

To get a collection account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

Alliance One Receivables Management, Inc. 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 a debt collector is harassing you, you may want to 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 Alliance One

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 Alliance One 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.
  • Alliance One may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Alliance One 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.
  • Alliance One cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Alliance One From Your Credit Report Today!

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

Alliance One Removed From Credit Report

Removed from TransUnion

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.

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.

Ready to Repair Your Credit?

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

[*] Results are not typical or guaranteed.