Is ARstrat hurting your credit score?

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Who is ARstrat?

ARstrat, LLC is a debt collection agency headquartered in Sugar Land, Texas. The company is a subsidiary of GetixHealth, a business that provides end-to-end revenue cycle services to the healthcare sector. ARstrat’s primary function is to assist organizations in retrieving money owed to them by individuals who have not fulfilled their payment obligations.

If you have an outstanding bill that has been passed onto ARstrat for collection, you might see their name appear on your credit report as a collections account. This designation often arises when a person fails to pay a bill, and the original creditor assigns or sells the debt to a collection agency.

Who does ARstrat collect for?

ARstrat primarily collects debts on behalf of entities within the healthcare industry. These entities include hospitals, clinics, medical facilities, and other healthcare service providers.

Is ARstrat legit or a scam?

ARstrat is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove ARstrat Collections from my credit report?

ARstrat 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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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.

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ARstrat, LLC Contact Information


ARstrat, LLC
14141 Southwest Freeway Ste 300
Sugar Land, TX 77478

Phone number: (888) 250-6379

Should I contact or pay ARstrat?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will ARstrat sue me or garnish my wages?

ARstrat has the legal right to sue for outstanding debts. If the agency decides to pursue this course and wins a judgment against you in court, it may be allowed to garnish your wages or levy your bank account. Wage garnishment means a portion of your earnings will be automatically deducted to pay off the debt.

However, this is usually a last resort. Suing for debt can be a costly and time-consuming process for collection agencies, and they often prefer to arrange a repayment plan with the debtor.

ARstrat Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 ARstrat

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

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

Remove ARstrat From Your Credit Report Today!

Credit Saint can help you dispute ARstrat accounts. 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.

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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.