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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
American Coradius International, LLC (ACI) Contact Information
Address:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing American Coradius International collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
