Associated Credit Services

Is Associated Credit Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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 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.

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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?

Nothing good can come from speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Associated Credit Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Associated Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Associated Credit Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Associated Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Associated Credit Services From Your Credit Report Today!

Lexington Law can assist you in disputing ACS collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.