How to Remove ARC Management Group From Your Credit Report

Seeing ARC Management Group pop up on your credit report can be stressful—but you’re not stuck with it forever. Here’s what you need to know about who they are, why they might be contacting you, and the steps you can take to potentially remove them from your credit report.

Who Is ARC Management Group?

ARC Management Group, LLC is a debt collection agency based in Kennesaw, Georgia. If they show up on your credit report, it usually means a creditor has sent your unpaid debt to them for collection. They act as middlemen between businesses and people who owe money.

What Types of Debts Does ARC Management Group Collect?

ARC Management Group works with a wide range of industries, including:

• Government agencies – collecting on unpaid taxes, fines, or fees
• Utility and telecom companies – handling overdue electric, water, cable, or internet bills
• Healthcare providers – pursuing unpaid medical bills
• Financial service companies – collecting on personal loans or credit card debt
• Student loan servicers – recovering funds for colleges or lenders

Is ARC Management Group a Scam?

No, ARC Management Group is a real company. They are legally authorized to collect debts. But that doesn’t mean you should take everything at face value. Always verify that the debt is legitimate and actually belongs to you before taking any action.

How to Remove ARC Management Group From Your Credit Report

Collection accounts can damage your credit score for up to seven years, even if you eventually pay them off. Here’s how you can try to remove ARC Management Group from your credit report:

1. Dispute Any Errors

Start by checking if the debt is accurate. Look for any mistakes in the amount, dates, or even whether the debt is yours. If you spot anything wrong, file a dispute with the credit bureaus (Equifax, Experian, and TransUnion). They’re required to investigate and correct any inaccurate information.

2. Request Debt Validation

You have the legal right to ask ARC to prove the debt is valid. Send a debt validation letter within 30 days of first being contacted. If they can’t verify the debt, they must stop collecting and remove it from your credit report.

3. Try a Pay-for-Delete Agreement

If the debt is legit and you’re willing to pay, you can offer a pay-for-delete deal. That’s where you ask ARC to remove the account from your credit report in exchange for payment. Not all agencies agree to this, but it’s worth a shot—get everything in writing if they say yes.

4. Work With a Credit Repair Company

If you’re overwhelmed or unsure how to approach ARC, consider hiring a reputable credit repair service. They can handle the disputes, negotiate on your behalf, and increase your chances of removing negative items from your credit report.

Should You Contact or Pay ARC Management Group?

Before making a payment, make sure:

• The debt is truly yours
• The amount is correct
• The debt hasn’t passed the statute of limitations in your state

Keep in mind that paying an old debt could reset the clock on how long it impacts your credit. That’s why it’s often smart to get professional guidance before reaching out or sending money.

Can ARC Management Group Sue You or Garnish Your Wages?

Yes, they can sue you if they believe the debt is valid and worth pursuing. If they win in court and get a judgment, they may be able to garnish your wages—depending on your state’s laws. But lawsuits are typically a last resort, and many collection accounts are resolved before it comes to that.

ARC Management Group Contact Information

• Address:
  ARC Management Group, LLC
  1825 Barrett Lakes Blvd, Suite 505
  Kennesaw, GA 30144
• Phone: (866) 510-9754

Common Complaints About ARC Management Group

ARC, like many debt collectors, has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most involve:

• Incorrect debts or amounts
• Harassing phone calls
• Failure to provide proof of the debt

If you feel your rights are being violated, file a complaint and consider speaking with a credit expert.

Know Your Rights Under Federal Law

Debt collectors must follow strict rules under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s a quick rundown:

• You can dispute any inaccurate information on your credit report.
• You can request debt validation within 30 days of being contacted.
• They can’t harass or threaten you, use abusive language, or call excessively.
• They must clearly identify themselves as a debt collector and state the reason for the call.
• They can’t threaten arrest or legal action they don’t intend to take.

Want Help Getting ARC Management Group Off Your Credit Report?

Collection accounts can be a hassle to deal with—but credit repair professionals can step in and handle the process for you. From disputing negative items to communicating with collectors, they can help you move things along more efficiently.

Credit Saint is one of the most established names in the space, with over 15 years of experience helping people remove accounts from companies like ARC Management Group. They also offer a 90-day money-back guarantee if you’re not satisfied.

Call (855) 281-1510 or visit their website for a free consultation.