Diversified Adjustment Service


Is Diversified Adjustment Service hurting your credit score?

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Who is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. is a debt collection agency located in Coon Rapids, Minnesota. They specialize in the recovery of unpaid debts on behalf of various businesses and organizations.

You might see them referenced on your credit report as ‘div adj serv’ or ‘diversified adj svc’, indicating a collections account. This typically occurs when an unpaid bill has been transferred from the original creditor to a collection agency like Diversified Adjustment Service.

Who does Diversified Adjustment Service collect for?

Diversified Adjustment Service works with a broad spectrum of industries to recover owed debts. This includes commercial businesses, educational institutions, healthcare providers, financial service companies, government bodies and municipalities, telecommunications providers, and utility companies.

Whether it’s an unpaid loan, a past-due utility bill, or a delinquent student loan, Diversified Adjustment Service attempts to collect the outstanding balance on behalf of these entities.

Is Diversified Adjustment Service legit or a scam?

Diversified Adjustment Service, Inc. is a legitimate company. 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 Diversified Adjustment Service from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Diversified Adjustment Service, Inc. Contact Information


Diversified Adjustment Service, Inc.
600 Coon Rapids Blvd NW
Coon Rapids, MN 55433

Mailing address:

Diversified Adjustment Service, Inc.
P.O. Box 32145
Fridley, MN 55432

Phone number: (800) 279-3733

Should I contact or pay Diversified Adjustment Service, Inc.?

Before contacting a collection agency, 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 Diversified Adjustment Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Diversified Adjustment Service, Inc. on behalf of their clients.

Will Diversified Adjustment Service sue me or garnish my wages?

Diversified Adjustment Service does have the ability to sue for unpaid debts. If they choose to take this course and are successful in obtaining a judgment against you, they may be able to garnish your wages, levy your bank accounts, or put a lien on your property, depending on your state’s laws. However, lawsuits are typically a last resort after other attempts to collect the debt have failed.

Diversified Adjustment Service, Inc. 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 Diversified Adjustment Service, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Diversified Adjustment Service 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.
  • Diversified Adjustment Service, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Diversified Adjustment Service 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.
  • Diversified Adjustment Service cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Diversified Adjustment Service From Your Credit Report Today!

Credit Saint can help you dispute Diversified Adjustment Service accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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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.