Is AscensionPoint Recovery Services Hurting Your Credit?

If AscensionPoint Recovery Services just appeared on your credit report, you might be confused—especially if the debt isn’t even yours. That’s because AscensionPoint specializes in collecting decedent debt, or debt from the estate of someone who has passed away. Still, it can impact your credit if reported incorrectly.

Here’s what you need to know—and how to get their collection account removed from your credit report.

Who Is AscensionPoint Recovery Services?

AscensionPoint Recovery Services, LLC (APRS) is a debt collection agency based in Coon Rapids, Minnesota. They specialize in recovering debts from estates after someone has died, often on behalf of banks, financial institutions, or debt buyers.

If a relative has passed away and their debt was never resolved, APRS may appear on your credit report—especially if there’s a reporting error or mix-up involving your identity.

Who Does AscensionPoint Collect For?

APRS focuses almost exclusively on decedent debt recovery, collecting from the estates of deceased individuals. They typically work on behalf of:

• Credit card companies
• Banks and lenders
• Debt buyers
• Financial service providers

If you’re seeing them on your credit report, it may be due to:

• A debt from a deceased family member’s estate
• A clerical error tying their debt to your name
• An incorrectly reported account

Is AscensionPoint a Legitimate Company?

Yes, AscensionPoint is a real, licensed debt collector. They are legally authorized to recover estate-related debts. However, just like with any collection agency, mistakes can happen—so don’t assume the debt is valid without verifying it.

Why Is AscensionPoint on My Credit Report?

There are two common reasons AscensionPoint appears on a credit report:

1. You’re the executor or next of kin for someone who passed away, and their debts were not paid.
2. There’s a mistake linking a deceased person’s debt to your personal credit file.

Either way, if a collection account is listed under your name, it can hurt your credit score and stay on your report for up to seven years—unless you take action.

How to Remove AscensionPoint From Your Credit Report

Here are the most effective ways to remove an APRS account from your credit report:

1. Dispute Any Errors Immediately

If the debt doesn’t belong to you or is being misreported, file a dispute with all three major credit bureaus. If AscensionPoint can’t prove the debt is yours, the account must be removed.

2. Request Debt Validation

Under the Fair Debt Collection Practices Act (FDCPA), you can send AscensionPoint a debt validation letter requesting proof that the debt is accurate and yours. They must respond within 30 days—or remove the account.

3. Consider a Pay-for-Delete (If the Debt Is Yours)

If the debt is legitimate and tied to your name, you may be able to negotiate a pay-for-delete agreement. In this case, you agree to pay the debt in exchange for AscensionPoint removing the collection from your credit report. Get the terms in writing before paying.

4. Work With a Credit Repair Company

Don’t want to deal with the back-and-forth yourself? A credit repair professional can dispute the account, handle validation requests, and improve your credit report faster and with less hassle.

Should You Pay AscensionPoint?

Only after verifying that the debt is:

• Actually yours
• Reported accurately
• Still legally enforceable under your state’s statute of limitations

Keep in mind: paying the debt without a removal agreement may not improve your credit score. In some cases, it could reset the reporting timeline—keeping the collection on your report even longer.

Can AscensionPoint Sue or Garnish Wages?

Yes, APRS has the legal right to sue if they believe the debt is collectible and falls within legal time limits. If they win a judgment, they could garnish your wages or levy your bank account.

That said, lawsuits are rare—especially in estate-related debt recovery. Most collectors prefer to resolve the debt through settlement or payment arrangements.

AscensionPoint Contact Information

• Address:
  AscensionPoint Recovery Services
  200 Coon Rapids Boulevard NW, Ste 200
  Coon Rapids, MN 55433
• Phone:
  (888) 806-9074

Complaints About AscensionPoint

AscensionPoint has received complaints through the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB), most commonly for:

• Incorrectly reported debt
• Failure to validate debt
• Harassment or repeated phone calls

If you’re experiencing similar issues, file a complaint with the CFPB and dispute the account directly with the credit bureaus.

Your Rights Under Federal Law

The FDCPA and FCRA protect you from unfair collection practices. Debt collectors like AscensionPoint cannot:

• Report inaccurate or unverifiable debt
• Threaten or harass you
• Misrepresent who they are
• Refuse to identify themselves as debt collectors
• Ignore written debt validation requests

Know your rights—and use them to protect your credit.

Want AscensionPoint Gone From Your Credit Report?

You don’t have to figure this out alone. Credit Saint helps people like you challenge inaccurate or unfair collection accounts—every single day.

They back their work with a 90-day money-back guarantee, so there’s zero risk in getting started.

Call (855) 281-1510 or visit their website to schedule your free consultation and take the first step toward better credit.