Associated Credit Services


Is Associated Credit Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Associated Credit Services?

Associated Credit Services, Inc. (ACS) is a debt collection agency based in Westborough, Massachusetts.

If you see ACS listed on your credit report as a collections account, this likely implies that you have an unpaid debt that has been transferred to ACS for collection.

Who does Associated Credit Services collect for?

Associated Credit Services collects debts on behalf of a diverse range of clients. They work with various sectors, including amusement parks, banks, healthcare providers, and utility companies.

Is Associated Credit Services legit or a scam?

Associated Credit Services is a legitimate company. They’ve been in business since 1969, and 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 Associated Credit Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Associated Credit Services, Inc. Contact Information


Associated Credit Services, Inc.
115 Flanders Rd Ste 140
Westborough, MA 01581

Phone number: (508) 366-0888 or (800) 531-6500

Should I contact or pay Associated Credit Services?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will Associated Credit Services sue me or garnish my wages?

Associated Credit Services does have the legal ability to sue you for unpaid debts. If they decide to sue you and the court rules in their favor, they may be awarded a judgment. This judgment can potentially lead to wage garnishment, bank account levies, or liens against your property, depending on the laws of your specific state.

However, keep in mind that initiating a lawsuit is usually a last resort for collection agencies. It involves additional costs and time, and most would prefer to resolve the debt directly with you, possibly through payment plans or settlement agreements.

Associated Credit Services, Inc. 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 Associated Credit Services

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:

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

Remove Associated Credit Services From Your Credit Report Today!

Credit Saint can help you dispute ACS collection 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.