If ARM Solutions appears on your credit report, it usually means a collection account has been added. Collections can damage your credit score and stay on your credit report for up to seven years. But there are steps you can take to handle the situation—and possibly have the account removed.
Who Is A.R.M. Solutions, Inc.?
A.R.M. Solutions, Inc. is a third-party debt collection agency based in Camarillo, California. They help businesses recover unpaid debts. If their name appears on your credit report, they are likely trying to collect on an overdue account that was sent to them by another company.
Who Does ARM Solutions Collect For?
ARM Solutions works with a wide range of industries, including:
- Commercial and B2B clients: Collecting unpaid business debts.
- Healthcare providers: Recovering overdue medical bills.
- Insurance companies: Collecting unpaid premiums and claims.
- Subscription-based services: Handling collections for bottled water services, propane or fuel delivery, pest control, alarm companies, and more.
- Waste management and utilities: Collecting on past-due service accounts.
If you’ve fallen behind on payments in any of these categories, ARM Solutions may be the company trying to collect.
Is ARM Solutions Legitimate?
Yes, ARM Solutions is a legitimate debt collection company. They are authorized to collect debts for other businesses. That said, you should always verify any debt before making payments, as mistakes or outdated information on your credit report are common.
How to Remove ARM Solutions From Your Credit Report
A collection account can hurt your credit score, but you may be able to remove it by:
- Disputing Inaccurate Information: If the account details are incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Requesting Debt Validation: You can ask ARM Solutions to prove the debt is yours and confirm the amount is accurate. If they can’t provide proper documentation, they must remove the account.
- Negotiating a Pay-for-Delete Agreement: In some cases, collectors will agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
- Working With a Credit Repair Service: Professionals can challenge inaccurate collections and help improve your credit faster.
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 ARM Solutions?
Before contacting ARM Solutions or making a payment, confirm the debt is valid. Many people discover incorrect or outdated collection accounts on their credit reports. Making a payment can also restart the timeline for how long the debt impacts your credit.
Working with a credit repair company can help you avoid costly mistakes.
Can ARM Solutions Sue You or Garnish Your Wages?
Debt collectors like ARM Solutions can sue for unpaid debts. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on your state’s laws. However, lawsuits are often a last resort, as collectors typically prefer to settle debts without going to court.
Knowing your rights and state-specific rules can help protect you from aggressive collection tactics.
ARM Solutions Complaints
Many debt collection agencies, including ARM Solutions, receive complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or excessive contact
- Failure to provide proper debt validation
If you experience these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With ARM Solutions
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Allowing you to dispute inaccurate credit reporting
- Giving you the right to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring debt collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Understanding your rights can help you deal with ARM Solutions more confidently.
ARM Solutions Contact Information
Office Address:
A.R.M. Solutions, Inc.
3760 Calle Tecate, Suite E
Camarillo, CA 93012-5059
Mailing Address:
A.R.M. Solutions, Inc.
PO Box 2929
Camarillo, CA 93011-2929
Phone: (888) 772-6468
Remove ARM Solutions From Your Credit Report Today
Dealing with collection accounts can feel overwhelming, but you don’t have to manage it alone. Credit Saint has helped thousands of people challenge inaccurate items and work toward improving their credit. They even offer a 90-day money-back guarantee for added peace of mind.
To explore your options for disputing ARM Solutions accounts, visit their website or call (855) 281-1510 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.
