If Galaxy International Purchasing, LLC has shown up on your credit report, it likely means a collection account has been added. These accounts can hurt your credit score and remain on your credit report for up to seven years, so it’s important to understand your options.
Here’s what to know about Galaxy International Purchasing and how to work toward removing their account from your credit report.
Who Is Galaxy International Purchasing?
Galaxy International Purchasing, also known as Galaxy Capital Acquisitions, is a debt buyer and collection agency based in Las Vegas, Nevada. They purchase past-due debts from other companies, then attempt to collect the unpaid balances themselves.
If your original creditor sold your debt to Galaxy International Purchasing, their name may appear on your credit report as a collection account.
What Type of Debts Does Galaxy International Purchasing Collect?
Galaxy International Purchasing buys different types of delinquent debts, including:
- Credit Card Debt
- Personal Loans or Unpaid Installment Loans
- Other Consumer Debts
Once they purchase the debt, they take over collection efforts, which often results in a negative account showing up on your credit report.
Is Galaxy International Purchasing Legitimate?
Yes, Galaxy International Purchasing is a real debt collection company. They are authorized to purchase and collect debts from consumers. However, that doesn’t mean every account they pursue is valid. Always verify the debt before making any payments.
How to Remove Galaxy International Purchasing from Your Credit Report
To remove Galaxy International Purchasing from your credit report, follow these steps:
- Dispute the Account: Review your credit report for errors. If you find inaccurate or outdated information, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask Galaxy International Purchasing to prove the debt is yours and that the amount is accurate. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to negotiate a pay-for-delete agreement, where you agree to pay the debt in exchange for the account being removed from your credit report. Always get the agreement in writing.
- Work with a Credit Repair Company: If dealing with collection agencies feels overwhelming, a reputable credit repair company can assist with disputing negative accounts and improving your credit.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Galaxy International Purchasing?
Before speaking with or paying Galaxy International Purchasing, confirm that the debt is valid, accurate, and legally enforceable. Making payments on old debts can sometimes reset the statute of limitations, which may negatively affect your credit.
Many consumers choose to have a credit repair professional handle communication with collection agencies to avoid missteps.
Can Galaxy International Purchasing Sue You or Garnish Your Wages?
Galaxy International Purchasing has the legal right to sue for unpaid debts. If they take legal action and win, they may be able to garnish wages, levy bank accounts, or use other collection methods depending on state laws.
Not all debt collectors pursue lawsuits, but ignoring the debt increases the risk. Taking action early gives you more control over the situation.
Galaxy International Purchasing Complaints
Like many collection agencies, Galaxy International Purchasing has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to the credit bureaus
- Failure to provide debt validation when requested
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with Galaxy International Purchasing
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect consumers from unfair collection practices. These rights include:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- Galaxy International Purchasing must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps protect you from unfair treatment.
Galaxy International Purchasing Contact Information
Address:
Galaxy International Purchasing, LLC
4730 South Fort Apache Rd, Suite 300
Las Vegas, NV 89147
Phone Number:
(800) 305-9811
Always communicate in writing and keep copies of all correspondence.
Remove Galaxy International Purchasing from Your Credit Report Today
Dealing with collection accounts like Galaxy International Purchasing can be stressful, but you don’t have to handle it alone. A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.
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.
