Seeing ATG Credit show up on your credit report can be stressful—but it doesn’t have to be permanent. Whether the account is inaccurate or just old debt in collections, you’ve got options for getting it removed.
Who Is ATG Credit?
ATG Credit, LLC is a third-party debt collection agency based in Chicago, Illinois. If they’re listed on your credit report, it usually means they’re trying to collect a debt you allegedly owe.
Who Does ATG Credit Collect For?
ATG Credit collects unpaid debts for businesses in several industries, including:
- Healthcare – medical bills and hospital charges
- Education – defaulted student loans or tuition balances
- Financial services – unpaid credit cards, loans, or overdrafts
- Commercial accounts – business-to-business debts
They act on behalf of the original creditor or may purchase debts outright.
Is ATG Credit a Legitimate Company?
Yes—ATG Credit is a real, legally registered debt collection agency. They are not a scam. That said, debt collection errors happen all the time. You should never pay a collection account until you’ve verified the debt is accurate and still legally collectible.
How to Remove ATG Credit From Your Credit Report
A collections account can hurt your credit score for up to seven years. If you want to get ATG Credit off your report, here are your main options:
1. Dispute Any Inaccurate Information
If anything about the account is wrong—balance, dates, ownership—you have the right to dispute it with the credit bureaus. They’re required to investigate and remove the entry if it can’t be verified.
2. Request Debt Validation
Send ATG Credit a debt validation letter within 30 days of their first contact. This forces them to prove the debt is real and belongs to you. If they can’t validate it, they must stop collecting and remove it from your report.
3. Try a Pay-for-Delete Agreement
If the debt is valid, you can ask ATG Credit to delete the account from your credit report in exchange for payment. Not all agencies agree to this, but some do. Make sure to get any agreement in writing before you pay.
4. Work With a Credit Repair Company
Professional credit repair services know how to challenge collection accounts and negotiate removals. If the process feels confusing or you’re dealing with multiple negative accounts, this can save you time and frustration.
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 ATG Credit?
Only contact them after you’ve reviewed your credit reports and know the debt is legit. Here’s why:
- Making a payment (even partial) can restart the statute of limitations in some states
- Collection accounts may contain reporting errors
- You don’t want to accidentally validate a debt that’s not yours
If you do choose to contact them, consider sending everything in writing to keep a clear paper trail.
Can ATG Credit Sue You or Garnish Your Wages?
Yes, they can—but it’s rare. ATG Credit can file a lawsuit to collect the debt. If they win a judgment, they might be able to garnish your wages depending on your state laws. However, most collection agencies prefer to settle without going to court.
Contact Information for ATG Credit
Here’s how to reach them if you need to:
Address:
ATG Credit, LLC
1700 W Cortland St, Suite 205
Chicago, IL 60622
Phone: (800) 969-4523
What If ATG Credit Harasses You?
You have rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Debt collectors must treat you fairly. That means:
- They can’t call you nonstop or use abusive language
- They must tell you they’re a debt collector
- They can’t threaten to arrest you
- They must stop contacting you if you request it in writing
If ATG Credit violates any of these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
Common Complaints About ATG Credit
Like most debt collectors, ATG Credit has received complaints for:
- Reporting inaccurate information
- Failing to respond to debt validation requests
- Aggressive or repetitive contact
- Failing to mark paid accounts as settled
Always monitor your credit reports and document any contact.
Remove ATG Credit From Your Credit Report Today
Dealing with an ATG Credit account can be frustrating—but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people challenge inaccurate collection accounts, including those from ATG Credit.
They’ve assisted thousands in cleaning up their credit reports—and they offer a 90-day money-back guarantee if you’re not satisfied with the results.
To get started, visit their website or call (855) 281-1510.
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.
