Credit Adjustments Inc (CAI) is a debt collection agency that often shows up on credit reports when unpaid bills get sent to collections. Seeing their name on your report can be frustrating, but there are steps you can take to fix the situation.
Who Is Credit Adjustments Inc?
Credit Adjustments Inc is a legitimate debt collector based in Defiance, Ohio. They collect unpaid debts on behalf of hospitals, medical providers, and government agencies. If CAI appears on your credit report, it usually means an old debt has been transferred to them for collection.
What Types of Debt Does Credit Adjustments Handle?
Credit Adjustments Inc mainly collects:
- Medical debt: They work with hospitals and doctor groups across the country to recover unpaid medical bills, including expenses from treatments, procedures, and hospital stays.
- Student loan debt: CAI also collects student loan payments, often on behalf of the U.S. Department of Education.
If you’ve fallen behind on medical bills or student loans, CAI might be the agency trying to collect.
Is Credit Adjustments Inc a Scam?
No, Credit Adjustments Inc is a real debt collection agency. But even though they are legitimate, always double-check that the debt is accurate before making any payments. Mistakes happen, and it’s your right to dispute anything that isn’t correct.
How to Remove Credit Adjustments From Your Credit Report
Collections can damage your credit score for up to seven years. Here are ways to potentially remove them:
- Dispute inaccuracies: Check your credit report for errors related to the CAI account. If something is wrong, file a dispute with the credit bureaus. They must investigate and correct any incorrect information.
- Negotiate a pay-for-delete: In some cases, you can ask the collection agency to remove the account from your credit report if you pay the debt. Get the agreement in writing before sending any money.
- Work with a credit repair service: Experienced credit repair companies can challenge questionable collection accounts and help clean up your report.
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 Credit Adjustments?
Before paying, make sure the debt is valid. Collection accounts sometimes contain outdated information, duplicate listings, or debts you’ve already resolved. Also, making a payment can restart the statute of limitations in some states, which could impact your legal rights.
If you’re unsure how to handle the account, getting help from a credit repair professional may be the safest option.
Can Credit Adjustments Sue You or Garnish Wages?
Yes, Credit Adjustments Inc can sue you for an unpaid debt. If they win in court, they might be able to garnish your wages, depending on state laws. Not all debts qualify for garnishment, and there are legal limits on how much they can take from your paycheck.
Credit Adjustments Inc Contact Information
Here’s how to reach them:
Address:
Credit Adjustments Inc
1250 Geneva Blvd
Defiance, OH 43512
Phone:
(866) 875-3784
(419) 782-6838
Common Complaints About Credit Adjustments Inc
Like many debt collectors, Credit Adjustments has faced complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most frequent issues include:
- Reporting incorrect information to the credit bureaus
- Failing to properly verify debts
- Harassing phone calls or aggressive collection tactics
If you’re dealing with any of these problems, you have rights.
Know Your Rights When Dealing With Credit Adjustments
Debt collectors must follow state and federal laws, including:
- The Fair Credit Reporting Act (FCRA): Protects you from inaccurate information on your credit report.
- The Fair Debt Collection Practices Act (FDCPA): Prohibits abusive, deceptive, or unfair collection practices.
Here are some specific protections you have:
- You can request a debt validation letter to confirm the debt is accurate and belongs to you. They must respond within 30 days.
- They cannot threaten, harass, or use obscene language.
- They must clearly state they are a debt collector, both in writing and verbally.
- They cannot threaten arrest or jail for unpaid debts.
Get Help Removing Credit Adjustments From Your Credit Report
If dealing with collections feels overwhelming, professional help is available. Credit Saint has helped clients challenge millions of negative credit items, including accounts from Credit Adjustments Inc.
They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to improve your credit, visit their website or call (855) 281-1510 to get started.
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.
