If you’ve found Alltran Financial on your credit report, you might be dealing with a collection account—and it could be hurting your credit score. Whether the debt is legitimate or not, you have the right to dispute it and possibly remove it.
Here’s how to take control of the situation.
Who Is Alltran Financial?
Alltran Financial, LP is a debt collection agency based in Houston, Texas, with additional offices in Bryan, TX and Tulsa, OK. They were formerly known as United Recovery Systems and Enterprise Recovery Systems, and they were later acquired by Transworld Systems Inc.
If they’re showing up on your credit report, it means they’re trying to collect a debt that was sent to collections.
What Types of Debt Does Alltran Financial Collect?
Alltran collects a wide range of consumer debts on behalf of various clients, including:
- Banks and credit unions – for checking accounts, loans, and overdrafts
- Credit card companies – for unpaid balances
- Auto and mortgage lenders – for missed payments or repossessions
- Online lenders – for installment loans and short-term loans
- Student loan servicers – for federal or private student loans
- Government agencies – for court fines, tolls, parking tickets, and back taxes
If you’ve fallen behind on one of these types of accounts, that’s likely why you’re seeing Alltran Financial now.
Is Alltran Financial a Legitimate Company?
Yes. Alltran Financial is a real and licensed debt collection agency. But even though they’re legitimate, it doesn’t mean every debt they pursue is accurate. Collection agencies can make mistakes, so it’s important to verify the debt before taking any action.
How to Remove Alltran Financial From Your Credit Report
A collection account can stay on your credit report for up to seven years—even after you pay it. The goal is to get it removed entirely if possible.
Here’s how:
- Dispute any errors – If the information is wrong or the debt isn’t yours, file a dispute with the credit bureaus.
- Send a debt validation letter – Ask Alltran Financial to prove the debt is yours and reported correctly. If they can’t, they must stop collection efforts.
- Negotiate a pay-for-delete – Offer to pay the debt in exchange for having the collection removed. Always get this agreement in writing.
- Work with a credit repair company – Professionals can help challenge collections and deal directly with debt collectors.
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 Alltran Financial?
Only after confirming the debt is legitimate. If the debt is too old or no longer legally collectible, making a payment could restart the statute of limitations and make things worse.
If the debt is valid, and you’re ready to resolve it, try to negotiate a lower settlement or a pay-for-delete deal. Make sure you understand your rights before you talk to them.
Can Alltran Financial Sue or Garnish Wages?
Yes, Alltran Financial has the legal right to sue you for unpaid debt. If they take you to court and win, they may be allowed to garnish your wages or freeze your bank account—depending on your state’s laws.
But lawsuits are costly and often used only as a last resort. Most debt collectors prefer to settle before going that far.
What to Do If You’re Being Harassed or Treated Unfairly
Like many other debt collectors, Alltran Financial has received consumer complaints related to aggressive calls, inaccurate reporting, and refusal to verify debts.
If you feel harassed or believe they’re violating your rights, you can:
- Send a debt validation letter to demand proof
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Report them to the Better Business Bureau (BBB)
- Dispute inaccurate entries with the credit bureaus
Your Rights Under the FDCPA and FCRA
You have strong legal protections under:
- The Fair Debt Collection Practices Act (FDCPA) – Prevents harassment, threats, and deceptive practices
- The Fair Credit Reporting Act (FCRA) – Lets you dispute incorrect information on your credit report
Alltran Financial cannot:
- Report false or incomplete debt information
- Refuse to verify a debt when you request it
- Harass, threaten, or swear at you
- Pretend to be law enforcement or threaten arrest
- Call repeatedly or at unreasonable hours
They must clearly identify themselves as a debt collector and act professionally at all times.
Contact Information for Alltran Financial
Address:
Alltran Financial, LP
5800 N Course Drive
Houston, TX 77072
Phone numbers:
- General: (713) 977-1234 or (800) 568-0399
- Alltran Health: (877) 272-7729
- Alltran Education: (800) 211-0432
Need Help Removing Alltran Financial From Your Credit Report?
You don’t have to tackle debt collectors on your own. Credit Saint has years of experience disputing inaccurate collections and helping people clean up their credit. Plus, they offer a 90-day money-back guarantee if they don’t get results.
Visit their website or call (855) 281-1510 to see how they can help.
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.
