If Alliant Capital Management just showed up on your credit report, you’re probably wondering who they are—and what they want. Here’s what you need to know about this debt collection agency, how they operate, and how to handle them if they’re affecting your credit.
Who Is Alliant Capital Management?
Alliant Capital Management, LLC is a third-party debt collection agency based in Amherst, New York. They work with lenders and other businesses to recover past-due balances. If you’re seeing their name on your credit report, it likely means they’re trying to collect on a debt you allegedly owe.
Who Does Alliant Capital Management Collect For?
Alliant collects debt on behalf of:
- Credit card companies – mostly for unpaid balances that have been charged off.
- Fintech lenders – including online loans and buy-now-pay-later platforms.
- Installment loan providers – such as personal loan companies.
- Retailers – especially those offering in-store credit or store-branded credit cards.
Is Alliant Capital Management a Scam?
No—Alliant Capital Management is a legitimate debt collector. They are authorized to collect on behalf of other companies. That said, just because they’re legit doesn’t mean the debt they’re trying to collect is accurate. Always verify any debt before making a payment.
How to Remove Alliant Capital Management From Your Credit Report
A collection account can drop your credit score and stay on your credit report for up to seven years. Here are your options to get it removed:
1. Dispute Any Errors
If the debt doesn’t belong to you or the details are wrong, file a dispute with the credit bureaus. You can do this online for free through Equifax, Experian, or TransUnion.
2. Request Debt Validation
Send Alliant Capital Management a debt validation letter asking them to prove the debt is yours. Under the Fair Debt Collection Practices Act (FDCPA), they’re required to provide proof within 30 days of receiving your request.
3. Try a Pay-for-Delete Agreement
If the debt is accurate, you can ask for a pay-for-delete—a deal where you agree to pay (or settle) the debt in exchange for them removing it from your credit report. Not all agencies will agree, but it’s worth asking.
4. Work With a Credit Repair Company
If you’d rather not handle it on your own, some credit repair companies specialize in removing collection accounts like these. They know how to challenge questionable reporting and deal directly with agencies like Alliant.
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 Alliant Capital Management?
Before you call or send money, take a step back. Here’s why:
- Payments can reset the clock on how long a debt stays on your credit report.
- Debts past the statute of limitations may no longer be legally collectible—but acknowledging them can revive their collectability in some states.
- You’re entitled to verification. Don’t pay unless you’ve received written proof that the debt is valid and yours.
Can Alliant Capital Management Sue You?
Yes, they can take legal action to collect a debt. If they sue and win, they could get a judgment that allows them to garnish your wages or freeze your bank account. However, lawsuits are typically a last resort and depend on the amount of the debt, your state laws, and whether they think you’re likely to pay.
Complaints About Alliant Capital Management
Like many debt collectors, Alliant has received consumer complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Debts that are not verified
- Inaccurate reporting on credit reports
- Harassment or repeated phone calls
If you’ve had a bad experience with Alliant, you can file a complaint with the CFPB or your state’s attorney general.
Your Rights When Dealing With Alliant Capital Management
Under federal law, debt collectors must follow strict rules. Here’s what they can’t do:
- Report false or incomplete information to the credit bureaus
- Call you at all hours or repeatedly to harass you
- Use threats, abusive language, or mislead you about what they can legally do
- Pretend to be someone they’re not
- Threaten arrest or jail time for unpaid debts
You also have the right to request written proof of the debt—and they’re required to stop collection efforts until they provide it.
Alliant Capital Management Contact Information
Here’s how to reach them:
Main address:
Alliant Capital Management
210 John Glenn Dr
Buffalo, NY 14228
Mailing address:
Alliant Capital Management
1965 Sheridan Drive, Suite 100
Buffalo, NY 14228
Phone number: (877) 957-8122
Want Help Dealing With Alliant Capital Management?
If you’d rather not manage disputes or negotiations on your own, a trusted credit repair company can take that burden off your plate.
Credit Saint has helped thousands of people remove inaccurate or unfair entries from their credit reports—including collections from companies like Alliant Capital Management. They also offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 to get started.
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.
