If Constar Financial Services has appeared on your credit report, it means a debt you owe has likely been turned over to collections. These accounts can lower your credit score and stay on your report for years if not addressed.
Here’s what you need to know about Constar Financial Services and how to work toward removing them from your credit report.
Who Is Constar Financial Services, LLC?
Constar Financial Services, LLC is a debt collection agency based in Phoenix, Arizona. They are also known as Empereon-Constar or Empereon Marketing, LLC. Their job is to recover unpaid debts on behalf of their clients.
If your account has gone to collections, Constar Financial Services may be listed on your credit report.
Who Does Constar Financial Services Collect For?
Constar Financial Services primarily collects debts for:
- Auto lenders
- Student loan lenders
- Other financial institutions
If you see their name on your credit report, it likely means one of these lenders turned your account over to collections.
Is Constar Financial Services Legitimate or a Scam?
Constar Financial Services is a legitimate company. They are authorized to collect debts for their clients.
However, always verify a debt before paying. Mistakes happen, and you have the right to request proof of the debt.
How to Remove Constar Financial Services From Your Credit Report
A collection account can stay on your credit report for up to seven years, but there are ways to try to remove it sooner:
- Dispute Inaccurate Information: Review your credit report for errors. If the balance, account details, or dates are incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask Constar Financial Services to prove the debt is yours. Send a written debt validation letter. If they can’t verify it, the account must be removed.
- Negotiate a Pay-for-Delete: Some agencies agree to remove the account from your credit report if you pay the debt. It’s not guaranteed, but it’s worth trying.
- Work With Credit Repair Experts: If you’re overwhelmed by the process, credit repair companies can challenge inaccurate negative items on your behalf.
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 Constar Financial Services?
Before paying anything, confirm the debt is accurate and still legally collectible. Some debts fall outside the statute of limitations for legal action, and making a payment can restart the clock.
If you’re unsure how to handle the situation, working with credit repair professionals can help you protect your credit and avoid mistakes.
Can Constar Financial Services Sue You or Garnish Your Wages?
Constar Financial Services has the legal right to sue for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Levy your bank account
These actions depend on state laws, the amount owed, and other factors. Lawsuits are generally a last resort, as legal action can be costly for collection agencies. They may be open to negotiating a payment plan before going to court.
How to Contact Constar Financial Services, LLC
Here’s how to reach them:
- Address:
Constar Financial Services, LLC
10400 N 25th Ave Ste 100
Phoenix, AZ 85021 - Phone Number:
(602) 889-3655
Complaints About Constar Financial Services
Like many collection agencies, Constar Financial Services has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Failure to verify debts
- Harassment or repeated calls
If your rights are being violated, you can file a complaint with these agencies.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. Your rights include:
- Debt collectors cannot report false or incomplete information to the credit bureaus
- You can request written proof of the debt with a debt validation letter
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collection agency when contacting you
- They cannot threaten arrest or legal action they don’t intend to pursue
Get Help Removing Constar Financial Services From Your Credit Report
Dealing with collection accounts can be stressful. Credit Saint has over 15 years of experience helping people dispute inaccurate information on their credit reports. They even offer a 90-day money-back guarantee for added confidence.
If you want help removing negative items from Constar Financial Services or other collection agencies, they’re a trusted option to consider.
Visit their website or call (855) 281-1510 to learn more.
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.
