Who is American Education Services?
American Education Services (AES) is a student loan servicer located in Harrisburg, Pennsylvania. They collect government-backed student loan debt.
You may see AES listed on your credit report as a collections account. This can happen if you have defaulted on your federal student loans.
How can I remove American Education Services from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: (800) 220-0084
American Education Services (AES) Contact Information
Address:
American Education Services
1200 N. 7th St.
Harrisburg, PA 17102
Mailing addresses:
American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093
American Education Services
P.O. Box 2461
Harrisburg, PA 17105-2461
Phone number: (800) 233-0557
Should I contact or pay American Education Services?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with American Education Services this is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Education Services on behalf of their clients.
Will American Education Services sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also possible that you never hear from or have to deal with AES again.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for AES to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is American Education Services hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
American Education Services (AES) Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with American Education Services
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for American Education Services 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- American Education Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- American Education Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- American Education Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove American Education Services From Your Credit Report Today!
Lexington Law can assist you in disputing AES collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
