Financial Adjustment Bureau


Is Financial Adjustment Bureau hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Financial Adjustment Bureau?

Financial Adjustment Bureau, Inc. is a debt collection agency that operates out of Burlington, Iowa. Their main function is to facilitate the recovery of overdue debts for various businesses.

If Financial Adjustment Bureau appears on your credit report, it usually signifies that you have an outstanding debt that has been transferred to them for collection.

Who does Financial Adjustment Bureau collect for?

Financial Adjustment Bureau serves a broad range of industries, acting as the intermediary between creditors and debtors. Their debt recovery services extend to industries including, but not limited to, check recovery, financial services, medical, real estate, and vehicle.

Is Financial Adjustment Bureau legit or a scam?

Financial Adjustment Bureau, Inc. is a legitimate company. However, their persistent methods of communication—phone calls, texts, and emails—might make some debtors question their legitimacy. These techniques, although often seen as intrusive, are standard practices in debt collection.

How can I remove Financial Adjustment Bureau 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.)

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 assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Financial Adjustment Bureau, Inc. Contact Information


Financial Adjustment Bureau
612 Jefferson St.
Burlington, IA 52601-5428

Phone number: (800) 792-4557 or (319) 753-6756

Should I contact or pay Financial Adjustment Bureau?

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 Financial Adjustment Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Financial Adjustment Bureau, Inc. on behalf of their clients.

Will Financial Adjustment Bureau, Inc. sue me or garnish my wages?

Financial Adjustment Bureau, Inc. is legally permitted to sue you to recover the debt you owe. If they are successful in the lawsuit and a judgment is issued against you, they may potentially be able to garnish your wages, bank accounts, or even place a lien on your property, depending on your state’s laws.

However, this is generally seen as a last resort due to the costs and time associated with court proceedings. Most debt collectors would rather negotiate a payment plan or settle the debt for a lesser amount rather than go through the court process.

Financial Adjustment Bureau, 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 Financial Adjustment Bureau, 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 Financial Adjustment Bureau 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.
  • Financial Adjustment Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Financial Adjustment Bureau 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.
  • Financial Adjustment Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Financial Adjustment Bureau From Your Credit Report Today!

Credit Saint can help you dispute Financial Adjustment Bureau collection 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.

Ready to Repair Your Credit?

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

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.