Credit Adjustments Inc

Updated

Is Credit Adjustments Inc 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 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?

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 reports. 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.

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. 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 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

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 a debt collector is harassing you, you may want to 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 Credit Adjustments Inc

Debt collectors must abide by state and federal laws in the United States. 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Credit Adjustments may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Adjustments 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.
  • Credit Adjustments cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Credit Adjustments From Your Credit Report Today!

Credit Saint can assist you in disputing Credit Adjustments collection accounts. 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Crediful
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.