American Coradius International


Is American Coradius International hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is American Coradius International?

American Coradius International, LLC (ACI) is a debt collection agency based in Amherst, New York. The firm focuses on financial collections, often dealing with overdue bills or unpaid loans.

If you notice ACI appearing on your credit report as a collection account, this generally signifies that there is a bill or payment you may have overlooked or been unable to pay.

Who does American Coradius International collect for?

American Coradius International collects for a broad range of banks and finance companies on a national level. Their clients include credit card companies, auto loan providers, personal loan lenders, and even some service providers.

Is American Coradius International legit or a scam?

American Coradius International is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove American Coradius International from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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American Coradius International, LLC (ACI) Contact Information


American Coradius International, LLC
2420 Sweet Home Road Suite 150
Amherst, NY 14228

Phone number: (800) 759-2241

Should I contact or pay American Coradius International?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with American Coradius International is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Coradius International, LLC on behalf of their clients.

Will American Coradius International sue me or garnish my wages?

American Coradius International, like any debt collection agency, does have the legal right to sue for an unpaid debt. If they win the lawsuit and the court rules in their favor, they may be granted a judgment. This could potentially lead to wage garnishment, a lien on your property, or bank account levy, depending on your state laws. However, it’s worth noting that suing is typically a last resort and involves additional costs and time for the collection agency.

American Coradius International, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with American Coradius International, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for American Coradius International 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • American Coradius International cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Coradius International must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • American Coradius International cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Coradius International From Your Credit Report Today!

Credit Saint can help you dispute American Coradius International collections. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.