If AR Resources, Inc. is showing up on your credit report, there’s a good chance they’re collecting on a debt that’s been handed off by another company. Collection accounts like this can cause major damage to your credit score—but there are ways to remove them.
Here’s everything you need to know about AR Resources and how to deal with them effectively.
Who Is AR Resources?
AR Resources, Inc. is a debt collection agency and accounts receivable management company. They’re based in Florida and Pennsylvania, and they work on behalf of businesses that haven’t been paid.
If you see AR Resources listed on your credit report, it usually means they’ve been assigned or purchased a debt that you may owe—and now they’re trying to collect.
Who Does AR Resources Collect For?
AR Resources serves a wide range of industries, including:
- Auto service and repair shops
- Banks and financial institutions
- Medical and dental providers
- Property managers and landlords
- HVAC, plumbing, and lawn care companies
- Schools, martial arts studios, and other small businesses
This variety means the original debt could be anything from a medical bill to an unpaid service invoice or lease balance.
Is AR Resources Legit?
Yes, AR Resources is a legitimate collection agency. They are legally authorized to collect debts and are subject to both federal and state regulations. That said, many consumers report frequent phone calls, texts, and emails that can feel excessive or aggressive.
Just because they’re real doesn’t mean you should take everything at face value—always verify the debt before paying.
How to Remove AR Resources From Your Credit Report
Here’s how to remove an AR Resources collection account from your credit report:
1. Dispute Inaccurate Information
If the account is incorrect, already paid, or doesn’t belong to you, file a dispute with the credit bureaus (Equifax, Experian, and TransUnion). They’re required to investigate and remove any false information.
2. Request a Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you can demand written proof that the debt is valid. Send a debt validation letter to AR Resources. If they can’t verify the debt, they must stop collection efforts and remove the account from your credit report.
3. Negotiate a Pay-for-Delete Agreement
If the debt is legitimate, consider negotiating a pay-for-delete deal. In this case, you offer to pay (possibly at a reduced amount) in exchange for AR Resources removing the account from your report. Always get this agreement in writing before paying.
4. Hire a Credit Repair Professional
Not comfortable handling this on your own? Credit repair professionals can take over the process—disputing the debt, negotiating with the agency, and improving your overall credit profile.
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 AR Resources?
Before you reach out or make a payment:
- Confirm the debt is accurate and belongs to you
- Check the statute of limitations in your state
- Understand whether the account is already considered “time-barred”
Paying a collection account without a removal agreement may not help your credit. In some cases, it can even make things worse by restarting the reporting timeline.
Can AR Resources Sue or Garnish Wages?
Yes, AR Resources can sue you for unpaid debt. If they win in court, they may be able to garnish your wages—depending on the laws in your state.
However, lawsuits are typically a last resort. Most collection agencies prefer to resolve the debt through settlements or payment plans before going that route.
AR Resources, Inc. Contact Information
- Mailing Address:
AR Resources, Inc.
PO Box 1056
Blue Bell, PA 19422 - Main Offices:
1777 Sentry Pkwy W, Blue Bell, PA 19422
3107 Spring Glen Rd, Ste 214, Jacksonville, FL 32207 - Phone Number:
(888) 277-1887
AR Resources Complaints
AR Resources has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Reporting inaccurate information
- Failure to respond to debt validation requests
- Harassing or excessive communication
If you’ve experienced any of these issues, consider filing a complaint and disputing the account directly with the credit bureaus.
Know Your Rights When Dealing With AR Resources
You have strong protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws make it illegal for collectors to:
- Report false or incomplete information
- Harass you with excessive calls or threats
- Refuse to identify themselves as debt collectors
- Threaten you with jail time or legal action they can’t take
- Ignore written requests for debt validation
Use these rights to protect yourself—and to hold agencies accountable when they cross the line.
Want AR Resources Off Your Credit Report?
You don’t need to figure it all out on your own. Credit Saint has helped thousands of people remove inaccurate and damaging items from their credit reports—including accounts from AR Resources.
Their service is backed by a 90-day money-back guarantee, so you can take the next step with total peace of mind.
Ready to get started? Call (855) 281-1510 or visit their website to schedule your free consultation today.

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.