How to Remove Credit Adjustments Inc From Your Credit Report

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Who is Credit Adjustments Inc?

Credit Adjustments Inc (CAI) is a debt collection agency based in Defiance, Ohio. They take over unpaid bills from a range of companies and organizations and then pursue the individuals who owe these debts.

If you find CAI listed on your credit report as a collections account, it’s likely because you have an unpaid bill that has been transferred to them for collection.

Who does Credit Adjustments collect for?

Credit Adjustments primarily focuses on collecting two types of debt: medical debt and student loan debt. They manage medical debts for large hospitals and physician groups across the country. These could be any outstanding bills related to medical procedures, treatments, or hospital stays.

The second major category is student loan debt, which they manage on behalf of the U.S. Department of Education. This typically involves loans that students have taken out to pay for their education but have failed to repay as agreed upon in their loan terms.

Is Credit Adjustments legit or a scam?

Credit Adjustments is a legitimate collection agency. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Credit Adjustments Inc from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Ready to Clean Up Your Credit Report?

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

Credit Adjustments Inc (CAI) Contact Information

Address:

Credit Adjustments, Inc.
1250 Geneva Blvd
Defiance, OH 43512

Phone number: (866) 875-3784 or (419) 782-6838

Should I contact or pay Credit Adjustments?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Adjustments Inc on behalf of their clients.

Will Credit Adjustments sue me or garnish my wages?

Credit Adjustments Inc does have the right to sue you in court for an unpaid debt. If they win the lawsuit and receive a judgment from the court, they may then be legally entitled to garnish your wages or take other action to collect the debt, depending on the laws in your state.

However, not all debts are eligible for wage garnishment, and there are federal and state laws that limit how much can be taken from your paycheck.

Credit Adjustments Inc (CAI) Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Credit Adjustments Inc

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:

  • It is a violation of federal law for Credit Adjustments Inc 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Credit Adjustments cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Adjustments must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Credit Adjustments cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Credit Adjustments From Your Credit Report Today!

Credit Saint offers assistance with disputing Credit Adjustments collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.

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