How to Remove Carter-Young From Your Credit Report

Seeing Carter-Young on your credit report? This usually means a past-due account has gone to collections—and it could be hurting your credit score. Here’s how to deal with it and what to do next.

What Is Carter-Young?

Carter-Young, Inc. is a debt collection agency based in Conyers, Georgia. They’re hired by businesses to recover unpaid bills from consumers. If they appear on your credit report, it’s likely tied to an old debt that’s been passed on for collection.

Who Does Carter-Young Collect For?

Carter-Young works with clients across several industries, including:

• Apartment and student housing providers
• Military housing managers
• Hospitals and healthcare systems
• Financial institutions and utility companies
• Telecom providers

They pursue past-due balances on behalf of these businesses.

Is Carter-Young Legitimate?

Yes, Carter-Young is a real debt collector—not a scam. But just because they’re legitimate doesn’t mean the debt is accurate. Always verify the details before making a payment or agreeing to anything.

How to Remove Carter-Young From Your Credit Report

A collection account can damage your credit for up to seven years. Here are three ways to try to remove it:

• Dispute any errors – If anything about the debt is incorrect, file a dispute with the credit bureaus.
• Request debt validation – Ask Carter-Young to prove the debt is yours and that the amount is correct.
• Negotiate a pay-for-delete – Offer to settle the debt in exchange for them removing it from your credit report. Get the agreement in writing first.

If this feels overwhelming, you can also work with a credit repair company that knows how to challenge collection accounts effectively.

Should You Contact or Pay Carter-Young?

Before picking up the phone or sending any money, confirm that the debt is both accurate and still collectible. Some debts are past the statute of limitations, and paying can restart the clock.

Many people find it easier to work with a credit repair service to avoid missteps that could hurt their credit further.

Can Carter-Young Sue You or Garnish Wages?

Debt collectors can sue if the debt is valid and unpaid. If they win the case in court, they might be able to garnish your wages or levy your bank account—depending on the laws in your state. That said, lawsuits are typically a last resort.

Complaints Against Carter-Young

Like many collection agencies, Carter-Young has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Most issues involve:

• Incorrect information on credit reports
• Harassing phone calls
• Refusal to verify debts

If you’re dealing with any of these problems, you can file a complaint and exercise your legal rights.

Know Your Rights Under the FDCPA and FCRA

Debt collectors must follow strict federal laws. Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA):

• They can’t report false or incomplete information.
• You have the right to request debt validation within 30 days.
• They cannot harass, threaten, or use obscene language.
• They must identify themselves as a debt collection agency.
• They cannot threaten jail time for unpaid debts.

Carter-Young, Inc. Contact Information

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

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

Get Help Removing Carter-Young From Your Credit Report

If you’re ready to take action, Credit Saint can help. They specialize in removing inaccurate negative items like collection accounts from credit reports—and they’ve been doing it for more than 15 years.

If you don’t see results, they even offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to get started.