If you’ve spotted Frontline Asset Strategies on your credit report, there’s a good chance it’s dragging down your score. Here’s what you need to know about who they are, how they work, and what you can do to protect your credit.
Who Is Frontline Asset Strategies?
Frontline Asset Strategies, LLC is a debt collection agency based in Roseville, Minnesota. They’re in the business of chasing down unpaid debts on behalf of other companies.
If they show up on your credit report, it usually means they’re trying to collect on a debt you may owe—sometimes one you’ve forgotten or never even knew about.
What Types of Debt Does Frontline Asset Strategies Collect?
Frontline works with a wide range of businesses, including:
- Auto lenders – for unpaid car loans
- Banks and credit card companies – for overdue accounts and charge-offs
- Debt buyers – who purchase old debts and hire collectors
- Colleges and universities – for unpaid tuition or fees
- Mortgage companies – for past-due home loans
- Utility providers – for unpaid electric, water, or gas bills
If you’ve defaulted on any of these types of accounts, there’s a chance Frontline is the one trying to collect.
Is Frontline Asset Strategies Legit?
Yes, they’re a real company—not a scam. They’re legally allowed to collect debts. But just because they contact you doesn’t mean you automatically owe them money. Always verify the debt before you pay anything.
How to Remove Frontline Asset Strategies From Your Credit Report
A collection account can damage your credit for up to seven years, even if you pay it. That’s why removing it entirely is ideal.
Here are your options:
- Dispute errors – If the collection is inaccurate or not yours, file a dispute with the credit bureaus.
- Request debt validation – Ask Frontline to prove the debt is yours. If they can’t, they have to stop collecting and remove it from your report.
- Negotiate a pay-for-delete – Offer to settle the debt if they agree in writing to remove it from your credit report.
- Hire a credit repair company – Professionals can help you challenge inaccurate or outdated collections more efficiently.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Frontline Asset Strategies?
Only after you verify the debt. Contacting them or making a payment can reset the statute of limitations in some states, which could make the debt legally collectible again. If you’re unsure how to proceed, consult a credit expert before you take action.
Can Frontline Asset Strategies Sue You or Garnish Your Wages?
They can—but only under certain conditions. Debt collectors must sue you and win a court judgment before they can garnish wages. Even then, state laws vary on how much they can take.
That said, lawsuits are costly, so collectors often prefer to negotiate rather than take legal action.
How to Handle Harassment or Inaccurate Reporting
Frontline Asset Strategies, like many collection agencies, has received consumer complaints—mostly about reporting errors, lack of debt verification, and aggressive communication.
If you feel harassed or believe they’ve reported something incorrectly, you can:
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Report them to the Better Business Bureau (BBB)
- Dispute the entry with the credit bureaus
- Send a debt validation letter within 30 days of contact
Your Rights Under the FDCPA and FCRA
You’re protected by two key laws:
- Fair Credit Reporting Act (FCRA) – Gives you the right to dispute inaccurate information on your credit report.
- Fair Debt Collection Practices Act (FDCPA) – Protects you from abusive or deceptive collection practices.
Under these laws:
- Frontline can’t report false or incomplete information
- They must verify any debt you challenge
- They’re not allowed to harass or threaten you
- They must identify themselves and the purpose of their call
- They cannot claim you’ll be arrested for unpaid debts
Contact Information for Frontline Asset Strategies
Address:
Frontline Asset Strategies, LLC
2700 Snelling Ave N, Suite 250
Roseville, MN 55113
Phone: (877) 258-1590
Need Help Removing Frontline From Your Credit Report?
If you’re feeling stuck, you don’t have to face it alone. Credit Saint has helped thousands of people challenge collection accounts like Frontline—and if they don’t deliver results, they offer a 90-day money-back guarantee.
You can visit their website or call (855) 281-1510 to learn more about how they can help.
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.
