How to Remove AMCOL Systems From Your Credit Report

How to Remove AMCOL Systems From Your Credit Report

If AMCOL Systems shows up on your credit report, it likely means you have an unpaid medical bill that’s been sent to collections. This can hurt your credit score and stay on your report for years. Here’s what you can do about it.

What Is AMCOL Systems?

AMCOL Systems, Inc. is a third-party debt collection agency based in Columbia, South Carolina. They collect past-due accounts on behalf of healthcare providers across the country.

If your hospital or doctor’s office sent an unpaid bill to collections, AMCOL may now be managing that debt—and reporting it to the credit bureaus.

Who Does AMCOL Systems Collect For?

AMCOL specializes in collecting healthcare-related debt. Their clients include:

• Hospitals
• Physician groups
• Health systems

They typically handle:

• Unpaid medical bills
• Emergency room charges
• Past-due physician fees
• Other healthcare service debts

Is AMCOL Systems a Legitimate Company?

Yes, AMCOL Systems is a real and authorized debt collection agency. However, that doesn’t mean every account they report is accurate. Always confirm that any debt they claim you owe is legitimate before paying or agreeing to anything.

How to Remove AMCOL Systems From Your Credit Report

Medical collections can damage your credit score and linger for up to seven years. Here are the best ways to remove the account:

• Dispute any errors – If the account is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus.
• Negotiate a pay-for-delete – Offer to pay the debt if AMCOL agrees to remove the collection from your credit report. Always get the agreement in writing.
• Work with a credit repair service – A professional can manage the dispute process, send validation letters, and negotiate on your behalf.

Should You Contact or Pay AMCOL Systems?

Before contacting them, ask for a debt validation letter. This will confirm whether the debt is valid and that AMCOL has the legal right to collect it.

Also be aware that making a payment can restart the statute of limitations in some states, giving collectors more time to pursue legal action. Make sure you fully understand your options first.

Can AMCOL Systems Sue or Garnish Wages?

Yes, AMCOL Systems can sue you if you don’t pay a debt. If they win the case, they may be able to:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

That said, lawsuits are usually a last resort. Most collectors prefer to work out a settlement or payment plan before going to court.

AMCOL Systems Contact Information

Office Address:
AMCOL Systems, Inc.
111 Lancewood Rd
Columbia, SC 29210

Mailing Address:
PO Box 21625
Columbia, SC 29221

Phone: (800) 849-8500

AMCOL Systems Complaints

Like many debt collection agencies, AMCOL Systems has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate reporting
• Harassment or repeated calls
• Failure to verify debt when requested

If you encounter any of these issues, file a complaint and take steps to protect your credit rights.

Know Your Rights When Dealing With AMCOL Systems

Under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), you’re protected from abusive and dishonest practices. AMCOL Systems cannot:

• Report false or outdated information
• Ignore your request for debt validation
• Harass you with calls or threats
• Misrepresent who they are or what they can do
• Threaten you with jail time over unpaid debt

You have the right to dispute any errors and request written proof of the debt.

Get AMCOL Systems Removed From Your Credit Report

If AMCOL Systems is dragging down your credit score, Credit Saint could be the solution. With over 15 years of experience, they’ve helped thousands of people challenge inaccurate entries and clean up their reports. They even back their service with a 90-day money-back guarantee if you’re not satisfied with the results.

Call (855) 281-1510 or visit their website to get a free consultation.