American Financial Credit Services

Is American Financial Credit Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information 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 provide comprehensive debt recovery services for creditors. If you see AFCS listed on your credit report, it typically indicates that you have an unpaid debt which they are attempting to collect.

Who does American Financial Credit Services collect for?

American Financial Credit Services provides collection services for a variety of industries. They primarily focus on working with government entities, education institutions, and healthcare providers. This includes collecting on accounts like unpaid taxes, student loans, and medical bills. They also work with other types of businesses and corporations to collect on delinquent accounts receivable.

Is American Financial Credit Services legit or a scam?

American Financial Credit Services is a legitimate company. However, they are known to engage in persistent contact methods, which may include frequent phone calls, text messages, or emails, in their attempts to recover owed debts.

How can I remove American Financial Credit 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

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: Fill out the form for a free credit consultation.

American Financial Credit Services Contact Information


10333 N. Meridian Street, Suite 270
Indianapolis, IN 46290

Phone number: (317) 705-4237 or (888) 317-2327

Should I contact or pay American Financial Credit 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 Financial Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Financial Credit Services on behalf of their clients.

Will American Financial Credit Services sue me or garnish my wages?

American Financial Credit Services, like many debt collection agencies, does have the capacity to sue for unpaid debts. This is typically a last resort, given the costs and resources required for legal action. If you receive a summons or notice regarding a lawsuit, it is important to respond and potentially seek legal advice.

If American Financial Credit Services sues and obtains a judgement against you, they could potentially garnish your wages. However, the exact process and laws governing wage garnishment can vary from state to state. It is always recommended to seek legal advice in such circumstances.

American Financial Credit Services 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 Financial Credit 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 Financial Credit 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 Financial Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • American Financial Credit 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 Financial Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove American Financial Credit Services From Your Credit Report Today!

Lexington Law can assist you in disputing American Financial Credit Services 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. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.