Seeing Gatestone & Co. on your credit report can be frustrating, especially if you’re trying to improve your credit score. A collection account from them can lower your credit score and stay on your report for years. But there are ways to handle it—and even get it removed.
Here’s how to deal with Gatestone & Co. and work toward clearing your credit report.
Who Is Gatestone & Co.?
Gatestone & Co. International, Inc., also known as Gatestone BPO, is a global debt collection agency. Their U.S. headquarters is in Phoenix, Arizona, with other locations in Fredericksburg, Virginia, and Omaha, Nebraska. They also operate in Canada, Mexico, and the Philippines.
If you have unpaid debts, especially from banks or schools, you might see Gatestone & Co. show up on your credit report as a collection account.
Who Does Gatestone & Co. Collect For?
Gatestone & Co. works with:
- Financial institutions — including companies like American Express
- Educational institutions — such as the University of Phoenix
If you’ve fallen behind on payments to these types of organizations, your account may have been sent to Gatestone & Co. for collection.
Is Gatestone & Co. a Scam?
No, Gatestone & Co. is a legitimate debt collector. They have permission to collect debts on behalf of their clients. But that doesn’t mean they always get it right. Errors happen, so always double-check that any debt they’re trying to collect is accurate and valid before paying.
How to Remove Gatestone & Co. From Your Credit Report
Collection accounts can damage your credit score and stay on your report for up to seven years. But you may be able to get Gatestone & Co. removed sooner:
- Dispute Incorrect Information: If they’ve reported incorrect details—like the wrong amount or an account that isn’t yours—you can dispute the entry with the credit bureaus.
- Request Debt Validation: You have the right to ask for proof the debt is yours. Send Gatestone & Co. a debt validation letter. They must verify the debt before continuing collection efforts.
- Negotiate a Pay-for-Delete: If the debt is valid, try negotiating a pay-for-delete agreement. In this case, you agree to pay the debt if they agree in writing to remove the account from your credit report.
- Hire a Credit Repair Service: Credit experts can help you dispute accounts, negotiate with collectors, and clean up your credit 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 Pay Gatestone & Co.?
Before paying, make sure the debt is legitimate, still within the statute of limitations, and reported accurately. Paying a collection can sometimes reset the timeline for how long it stays on your credit report, so weigh your options carefully.
If you decide to settle the debt, try to get a written agreement that they’ll remove the account after payment.
Can Gatestone & Co. Sue You or Garnish Your Wages?
If you owe a debt and ignore it, Gatestone & Co. could take legal action to recover the money. They may file a lawsuit, and if they win in court, they could get a judgment that allows wage garnishment or other legal steps—depending on the laws in your state.
Not every account leads to a lawsuit, but it’s a risk to be aware of.
Gatestone & Co. Contact Information
Here’s how to contact them:
Gatestone & Co. International, Inc.
455 N 3rd St
Phoenix, AZ 85004
Phone: (800) 900-4238
If you choose to contact them, get everything in writing and avoid admitting responsibility for the debt until you’ve verified it.
Gatestone & Co. Complaints
Gatestone & Co. has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information on credit reports
- Failure to verify debts
- Harassing phone calls
If you believe your rights have been violated or you’re being harassed, consider filing a formal complaint with the CFPB or BBB.
Your Rights When Dealing With Gatestone & Co.
Debt collectors must follow strict state and federal laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). You have protections, including:
- Debt Validation: You can request written proof of the debt and the amount owed.
- Protection From Harassment: Gatestone & Co. cannot use threats, abusive language, or repeated harassing phone calls.
- Accurate Reporting: They cannot report false or incomplete information to the credit bureaus.
- Honest Communication: They must clearly identify themselves as debt collectors and explain their purpose.
- No False Threats: They cannot threaten arrest or jail time for unpaid debts.
If they break these rules, you can take legal action.
Want to Remove Gatestone & Co. From Your Credit Report?
You don’t have to handle collections alone. Credit Saint has helped thousands of people dispute inaccurate collections and repair their credit. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 for a free consultation today.
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.
