If American Coradius International (ACI) appears on your credit report, it likely means a past-due debt has been turned over to collections. This can damage your credit score and stay on your report for years. Here’s how to handle it—and possibly get it removed.
What Is American Coradius International?
American Coradius International, LLC is a debt collection agency based in Amherst, New York. They collect outstanding balances on behalf of lenders and financial service providers. If a company you owe money to hires them, their name may show up on your credit report as a collection account.
Who Does ACI Collect For?
ACI works with major lenders and service providers nationwide. They collect debts for:
- Credit card companies
- Personal loan lenders
- Auto finance companies
- Banks and credit unions
- Other financial institutions
If you’ve fallen behind on a loan or missed payments on a service account, your debt may have been transferred to ACI for collection.
Is American Coradius International Legitimate?
Yes, ACI is a legitimate and licensed debt collection agency. But just because they’re real doesn’t mean every account they handle is valid. Mistakes happen, so it’s important to verify the debt before taking any action.
How to Remove ACI From Your Credit Report
Collections can lower your credit score and stay on your report for up to seven years—even if you pay them. You may be able to remove the account sooner by taking one of these steps:
- Dispute inaccurate information – If the balance, dates, or account details are wrong, file a dispute with the credit bureaus.
- Request a pay-for-delete agreement – Offer to settle the debt in exchange for having the account removed from your credit report. Get any agreement in writing.
- Hire a credit repair service – Professionals can send debt validation letters, file disputes on your behalf, and push for removal if the account is unverifiable or reported incorrectly.
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 ACI?
Before making a payment or even speaking to ACI, request a debt validation letter. This document confirms the debt is accurate and legally collectible. If the agency can’t verify the account, they must stop collection efforts and remove the entry.
Be cautious—paying without validation can restart the statute of limitations, giving them more time to pursue the debt legally.
Can ACI Sue You or Garnish Wages?
American Coradius International has the legal ability to sue for unpaid debts. If they take you to court and win, they could be granted a judgment that allows them to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Lawsuits are usually a last resort, but they can happen—especially for larger balances or ignored notices.
American Coradius International Contact Information
American Coradius International, LLC
2420 Sweet Home Road, Suite 150
Amherst, NY 14228
Phone: (800) 759-2241
Complaints About American Coradius International
ACI has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Debts listed without proper verification
- Harassing phone calls
- Inaccurate reporting to credit bureaus
If you’re experiencing similar problems, consider filing a complaint and keeping written records of all communication.
Know Your Rights Under the FDCPA and FCRA
When dealing with debt collectors, you’re protected by two federal laws: the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws say debt collectors cannot:
- Report incorrect or incomplete information
- Refuse to validate a debt upon request
- Use harassment, profanity, or repeated calls
- Lie about their authority or threaten arrest
You can dispute a collection and demand proof that it belongs to you and is reported correctly.
Want ACI Off Your Credit Report?
Getting a collections account removed isn’t always easy—but help is available. Credit Saint has helped thousands of people challenge negative marks from companies like ACI. They back their work with a 90-day money-back guarantee if you’re not satisfied.
Call (855) 281-1510 or visit their website to schedule a free consultation.
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.
