If you’ve noticed American Financial Credit Services listed on your credit report, it likely means a past-due debt has been sent to collections. Collection accounts can lower your credit score and stay on your report for up to seven years if you don’t take action.
Here’s what to know about American Financial Credit Services and how to work toward removing their collection account from your credit report.
Who Is American Financial Credit Services?
American Financial Credit Services, Inc. (AFCS) is a debt collection agency based in Indianapolis, Indiana. They work with creditors to recover unpaid debts from consumers.
If AFCS appears on your credit report, it means they’ve been hired to collect money they believe you owe.
Who Does American Financial Credit Services Collect For?
AFCS provides collection services for a variety of industries, with a focus on:
- Government entities (such as unpaid taxes or municipal fees)
- Healthcare providers
- Educational institutions (including unpaid tuition or student accounts)
- Other businesses and corporations
If you’ve fallen behind on taxes, medical bills, or other debts, your account may have been turned over to them for collection.
Is American Financial Credit Services Legitimate?
Yes, American Financial Credit Services is a real debt collection agency. They are authorized to collect debts for their clients. Even so, always verify the details of any collection account before agreeing to pay, as errors happen frequently in the debt collection process.
How to Remove American Financial Credit Services From Your Credit Report
A collection account from AFCS can damage your credit, but there are ways to address it:
- Dispute Inaccuracies: Review your credit report carefully. If the account isn’t yours or the information is incorrect, dispute it with the credit bureaus.
- Request Debt Validation: You have the right to ask AFCS for proof that the debt is yours and the amount is accurate. They must provide written verification if requested.
- Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This involves offering payment in exchange for the collection account being removed from your credit report. Always get the agreement in writing.
- Work With a Credit Repair Service: Many people choose to work with professionals who specialize in removing collections and other negative marks from credit reports.
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 American Financial Credit Services?
Before contacting AFCS, confirm the debt is legitimate and accurately reported. Sometimes debts are outdated, incorrect, or even beyond the statute of limitations.
Also, making a payment can restart the clock on certain debts, which could impact your credit, so proceed carefully.
Many people prefer to work with a credit repair company to help manage collections and protect their credit.
Can American Financial Credit Services Sue You or Garnish Your Wages?
AFCS does have the legal right to sue over unpaid debts. If they take legal action and win, they could get a judgment that allows wage garnishment or other collection methods, depending on your state’s laws.
That said, lawsuits are typically a last resort. Many collection agencies prefer to settle or arrange payment plans before going to court.
American Financial Credit Services Contact Information
Here’s how to reach AFCS:
Address:
American Financial Credit Services, Inc.
10333 N. Meridian Street, Suite 270
Indianapolis, IN 46290
Phone: (317) 705-4237 or (888) 317-2327
Complaints About American Financial Credit Services
Like many collection agencies, AFCS has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Failure to verify debts
- Harassment or aggressive collection tactics
If your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With American Financial Credit Services
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair collection practices. AFCS cannot:
- Report false or incomplete information on your credit report
- Harass you with excessive calls, threats, or offensive language
- Misrepresent who they are or why they’re contacting you
- Threaten you with arrest for unpaid debts
You also have the right to request written proof of the debt. AFCS must provide verification within 30 days of your request.
Get Help Removing American Financial Credit Services From Your Credit Report
If managing collections from AFCS feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.
To learn more, visit their website or call (855) 281-1510.
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.
