If D&A Services, LLC has shown up on your credit report, it likely means a debt collection account has been added. Collection accounts can hurt your credit score and stay on your credit report for up to seven years, so it’s important to take steps to address the situation.
Here’s what you need to know about D&A Services and how to get their account removed from your credit report.
Who Is D&A Services, LLC?
D&A Services, LLC is a debt collection agency based in Des Plaines, Illinois. They collect unpaid debts on behalf of other companies. If you see their name on your credit report, it means an original creditor has hired them to recover money owed.
Who Does D&A Services Collect For?
D&A Services collects a wide range of debts, including:
- Auto Deficiencies: Unpaid balances after vehicle repossession
- Credit Card Debt: Past-due credit card accounts
- Bank Account Overdrafts: Negative checking account balances
- Medical Collections: Outstanding medical bills
- Mortgage and Property Debt: Delinquent home loans or property-related debts
- Retail, Student Loan, Telecom, and Utility Debts: Unpaid accounts across various industries
If you’ve fallen behind on payments in any of these areas, D&A Services may have been hired to collect the debt.
Is D&A Services Legitimate?
Yes, D&A Services is a legitimate debt collection agency. They are authorized to collect debts for their clients. However, that doesn’t mean every account they pursue is accurate. It’s always smart to verify the debt before making any payments.
How to Remove D&A Services from Your Credit Report
If you want to remove D&A Services from your credit report, follow these steps:
- Dispute the Account: Review your credit report for errors. If the information is inaccurate, file a dispute with the credit bureaus. They must investigate and correct any mistakes.
- Request Debt Validation: You have the right to ask D&A Services to prove the debt is yours and the amount is correct. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you can offer payment in exchange for the account being removed from your credit report. Get any agreement in writing before paying.
- Consider a Credit Repair Company: If dealing with collection agencies feels complicated, working with a reputable credit repair company can help simplify the process and challenge negative accounts.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay D&A Services?
Before speaking with or paying D&A Services, verify that the debt is valid and within the statute of limitations. Making a payment can sometimes reset the clock on an old debt, which can negatively affect your credit.
Many people choose to have a credit repair professional handle communication with collection agencies to avoid mistakes and protect their rights.
Can D&A Services Sue You or Garnish Your Wages?
Debt collectors like D&A Services can sue for unpaid debts. If they win a lawsuit, they may be able to garnish wages, seize assets, or take other legal actions, depending on your state’s laws.
Not all collection agencies pursue lawsuits, but ignoring collection notices increases the risk. Taking action early helps avoid legal consequences.
D&A Services Complaints
Like many collection agencies, D&A Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to validate debts when requested
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with D&A Services
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. Your rights include:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- D&A Services must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or imprisonment for unpaid debts.
Understanding your rights helps you handle collection accounts with confidence.
D&A Services Contact Information
Address:
D&A Services, LLC
1400 E Touhy Ave, Suite G2
Des Plaines, IL 60018
Phone Number:
(877) 314-4308
It’s recommended to communicate in writing and keep records of all correspondence.
Remove D&A Services from Your Credit Report Today
Struggling with collection accounts like D&A Services? A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.

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.