If Frost-Arnett shows up on your credit report, it means a debt—often medical—has been sent to collections. This can hurt your credit score and make it harder to get approved for loans, credit cards, or even rental housing.
Here’s how to handle Frost-Arnett and improve your credit.
Who Is Frost-Arnett?
Frost-Arnett Company is a legitimate debt collection agency based in Nashville, Tennessee, with additional offices in Kentucky and Texas. Established in 1893, they’ve been in the debt collection business for well over a century.
If you see names like “Frost Arnett Comp” or similar variations on your credit report, it likely means an unpaid account has been sent to them for collection.
Who Does Frost-Arnett Collect For?
Frost-Arnett specializes in collecting medical debt. They work with:
- Hospitals
- Healthcare providers
- Medical practices
If you’ve fallen behind on medical bills, the original provider may turn the account over to Frost-Arnett for collection.
Is Frost-Arnett a Scam?
No, Frost-Arnett is not a scam. They are an authorized debt collection agency. That said, always verify the details before making a payment. Mistakes happen, and debts can show up on your credit report even if they’re inaccurate or already resolved.
How to Remove Frost-Arnett from Your Credit Report
A collection account can stay on your credit report for up to seven years, but you may be able to get it removed sooner by:
- Disputing inaccurate information: If the account isn’t yours or the details are incorrect, dispute it with the credit bureaus.
- Requesting debt validation: You can ask Frost-Arnett to provide proof the debt is valid and the amount is correct. If they can’t, they must stop reporting it.
- Negotiating a pay-for-delete: Some agencies will agree to remove the account from your report if you pay the debt. Always get this agreement in writing.
- Working with a credit repair company: Professionals can help challenge negative items and improve your chances of getting collections removed.
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 Frost-Arnett?
Before reaching out to Frost-Arnett or making any payments:
- Confirm the debt belongs to you
- Verify the amount is accurate
- Check your state’s statute of limitations to see if the debt is still legally collectible
Be careful—paying an old debt without a plan can reset the clock and possibly lower your credit score further. Many people prefer to work with a credit repair company to handle these situations properly.
Can Frost-Arnett Sue You or Garnish Your Wages?
Yes, Frost-Arnett can sue to collect unpaid debts. If they win in court, they may:
- Garnish your wages
- Place liens on your property
- Levy your bank accounts
These actions depend on your state’s laws. Lawsuits are usually a last resort, as collection agencies often prefer to negotiate payment plans or settlements first.
Frost-Arnett Contact Information
Addresses:
Frost-Arnett Company
2105 Elm Hill Pike, Ste 200
Nashville, TN 37210
Frost-Arnett Company
1327 E Broadway St.
Campbellsville, KY 42718
Frost-Arnett Company
10700 Richmond Ave, Ste 256
Houston, TX 77042
Mailing Address:
P.O. Box 198988
Nashville, TN 37219
Phone Number:
(855) 287-7043
Frost-Arnett Complaints
Like many debt collectors, Frost-Arnett has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or repeated phone calls
- Refusal to verify debts
If you experience harassment or believe the information reported is incorrect, you can file a formal complaint.
Your Rights When Dealing with Frost-Arnett
You are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which include:
- The right to dispute inaccurate information
- The right to request debt validation within 30 days
- Protection from harassment, threats, or abusive language
- The requirement for debt collectors to clearly identify themselves
- Protection from false threats of arrest or legal action
Understanding your rights makes it easier to handle collection accounts and protect your credit.
Get Frost-Arnett Removed from Your Credit Report
If Frost-Arnett is hurting your credit, and you want help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people each year remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
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.
