American Web Loan Collections


Is American Web Loan Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is American Web Loan, Inc.?

American Web Loan, Inc. (AWL) is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, based in Stillwater, Oklahoma. As an online lender, they primarily focus on providing payday loans, a type of short-term, high-interest loan intended to cover a borrower’s expenses until their next payday.

If AWL is listed on your credit report as a collections account, it suggests that you have taken out a loan from AWL and have failed to repay it according to the agreed terms.

Is American Web Loan legit or a scam?

American Web Loan is indeed a legitimate lending institution. Established in 2010, they have been in operation for over a decade, providing short-term loan solutions to consumers. However, it’s essential to verify any debts they claim you owe before making any payments.

How can I remove American Web Loan 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

American Web Loan Contact Information


American Web Loan
3910 W 6th Ave
Stillwater, OK 74074

Phone number: (877) 860-7171

Should I contact or pay American Web Loan?

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 Credit reports can contain errors or list debts that are no longer valid.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 Web Loan is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Web Loan on behalf of their clients.

Will American Web Loan sue me or garnish my wages?

Lenders like American Web Loan (AWL) have the capacity to sue borrowers for unpaid debts. If AWL wins the lawsuit, they may obtain a court order that could lead to wage garnishment.

However, the decision to sue often depends on various factors, such as the size of the debt and the cost-effectiveness of pursuing legal action. Before resorting to a lawsuit, AWL would likely make numerous attempts to communicate with the borrower and try to arrange a repayment plan.

American Web Loan Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with American Web Loan, you should also 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 Web Loan

Debt collectors must follow state and federal laws. For example, the Fair Debt Collection Practices Act prohibits a third-party debt collector from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for American Web Loan 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 Web Loan cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Web Loan 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 Web Loan cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Web Loan From Your Credit Report Today!

Credit Saint can help you dispute American Web Loan 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.