Is Carter-Young hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Carter-Young?

Carter-Young, Inc. is a debt collection agency located in Conyers, Georgia, United States. They specialize in recovering overdue or defaulted debts for various companies.

You may see Carter-Young listed on your credit report as a collections account. This signifies that you have an unpaid debt that has been transferred to them for collection.

Who does Carter-Young collect for?

Carter-Young operates across a broad spectrum of industries, collecting debts on behalf of businesses and service providers that have found it difficult to retrieve overdue payments from customers. Their clients range from multifamily, student, and military housing providers to healthcare providers, financial service companies, utility companies, and telecommunications providers.

Is Carter-Young legit or a scam?

Carter-Young, Inc. is a legitimate debt collection agency. They are fully authorized to collect on behalf of their clients and are recognized as a legal entity in their industry. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Carter-Young from my credit report?

Carter-Young 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Carter-Young, Inc. Contact Information


Carter-Young, Inc.
882 N. Main St. NW, Ste 120
Conyers, GA 30012-4442

Phone number: (678) 995-4242 or (888) 995-4242

Should I contact or pay Carter-Young?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Carter-Young is to work with a credit repair professional. They help remove millions of negative items every year from companies like Carter-Young on behalf of their clients.

Will Carter-Young sue me or garnish my wages?

Carter-Young is entitled to take legal action against you if you fail to pay a legitimate debt. If they do sue and win a court judgment, they might have the legal power to garnish your wages or levy your bank account, subject to the laws in your specific state. However, this is typically a last resort for collection agencies due to the cost and time it takes to go through the legal process.

Carter-Young, Inc. Collection 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 you find yourself facing any of these situations with a debt collector, you should also 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 Carter-Young, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

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

Remove Carter-Young From Your Credit Report Today!

Credit Saint can assist you in disputing Carter-Young collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.