If Diversified Adjustment Service is showing up on your credit report, it could be dragging down your credit score. They are a debt collection agency based in Coon Rapids, Minnesota, and they work with businesses to collect unpaid debts. You might see them listed as “div adj serv” or “diversified adj svc” on your report, signaling a collections account.
Here’s what you need to know—and how to remove them from your credit report.
Who Does Diversified Adjustment Service Collect For?
Diversified Adjustment Service, Inc. works with a wide range of industries, including:
- Healthcare providers
- Utility companies
- Financial service companies
- Telecommunications providers
- Educational institutions
- Government agencies
- Municipal services
- Commercial businesses
Whether it’s a past-due loan, unpaid utility bill, or delinquent student account, Diversified Adjustment Service tries to collect the outstanding balance for these organizations.
Is Diversified Adjustment Service Legitimate?
Yes, Diversified Adjustment Service, Inc. is a legitimate debt collection company. They are authorized to collect debts on behalf of other businesses. That said, always verify the debt before making payments to ensure the information is accurate and belongs to you.
How to Remove Diversified Adjustment Service From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, making it harder to get approved for loans, credit cards, or housing. To remove Diversified Adjustment Service from your credit report, you have a few options:
- Dispute Errors: If the account is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus. They must investigate and correct any incorrect information.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing.
- Hire a Credit Repair Professional: Many credit repair companies specialize in disputing negative marks from agencies like Diversified Adjustment Service.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Diversified Adjustment Service?
Before reaching out or making payments, confirm that the debt is valid and properly reported. Credit reports often contain mistakes, and paying an invalid debt can sometimes restart the collection timeline.
If you’re unsure how to handle the situation, consider letting a trusted credit repair company manage the process for you.
Can Diversified Adjustment Service Sue You or Garnish Your Wages?
Debt collectors like Diversified Adjustment Service can sue you to recover unpaid debts. If they win the lawsuit and get a court judgment, they might be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. Lawsuits and wage garnishment are usually last resorts, as most agencies prefer to settle or set up a payment plan first.
Diversified Adjustment Service Contact Information
- Main Address:
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:
(800) 279-3733
Diversified Adjustment Service Complaints
Like many collection agencies, Diversified Adjustment Service has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Failure to verify debts
- Harassment or repeated calls
If you experience these issues, you can file a complaint with:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report a problem
Your Rights When Dealing With Diversified Adjustment Service
Debt collectors must follow federal and state laws that protect consumers, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Your rights include:
- You can dispute incorrect or incomplete information on your credit report.
- You can request debt validation. The agency must prove the debt is yours and the amount is correct within 30 days of your request.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector when contacting you.
- They cannot threaten you with arrest or jail for unpaid debts.
If they violate these rights, report them to the CFPB or consult an attorney.
Remove Diversified Adjustment Service From Your Credit Report Today
Dealing with Diversified Adjustment Service collections? You don’t have to do it alone. Credit Saint has helped thousands of people challenge negative marks, including collections from companies like Diversified Adjustment Service.
They even offer a 90-day money-back guarantee if no questionable negative items are removed within the first 90 days. To qualify, you’ll need to stay active, submit your ID within five days, make all payments, and avoid adding new negative marks.
Ready to clean up 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.
