If Nelson Cruz and Associates has shown up on your credit report, it could be lowering your credit score. Here’s what you need to know about this collection agency—and how to get their account removed.
Who Is Nelson Cruz and Associates?
Nelson Cruz and Associates is a debt collection agency based in Dallas, Texas. They collect unpaid debts that have been turned over to them by businesses trying to recover money.
If they appear on your credit report, it usually means you have a past-due debt that has been sent to collections. This can hurt your credit score and stay on your report for up to seven years if not resolved.
Who Does Nelson Cruz and Associates Collect For?
Nelson Cruz and Associates works with original creditors from various industries. While they don’t list their specific clients publicly, these debts can include:
- Unpaid credit card balances
- Medical bills
- Utility bills
- Personal loans or other unpaid accounts
Their job is to recover those past-due amounts on behalf of the original businesses.
Is Nelson Cruz and Associates Legitimate?
Yes, Nelson Cruz and Associates is a real debt collection agency. But just because they’re legitimate doesn’t mean every account they report is accurate. Mistakes happen, so always verify the debt before paying.
You have the legal right to request proof that the debt belongs to you and that the amount is correct.
How to Remove Nelson Cruz and Associates From Your Credit Report
Collection accounts can damage your credit score for years, but there are steps you can take to get them removed:
- Dispute Inaccurate Information: If the account details are incorrect, outdated, or incomplete, file a dispute with the credit bureaus. They are required to investigate and correct any mistakes.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you pay the debt. Get the agreement in writing before sending any payments.
- Work With a Credit Repair Service: Professionals can challenge negative items and help clean up your credit report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Nelson Cruz and Associates?
Before reaching out, confirm the debt is valid and still within your state’s statute of limitations. Making a payment can sometimes reset the clock, keeping the account on your credit report longer.
Many people work with credit repair experts who know how to handle companies like Nelson Cruz and Associates and protect their credit in the process.
Can Nelson Cruz and Associates Sue You or Garnish Your Wages?
They can sue for unpaid debts. If they win the lawsuit, they could garnish your wages, levy your bank account, or place a lien on your property, depending on state laws.
However, lawsuits are expensive and time-consuming. Most collection agencies prefer to settle debts through payment plans or reduced settlements before considering legal action.
Complaints About Nelson Cruz and Associates
Like many debt collectors, Nelson Cruz and Associates has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Incorrect reporting
- Harassment or aggressive collection tactics
- Failure to verify debts when requested
If you’re experiencing harassment or your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With Nelson Cruz and Associates
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. These laws help ensure your rights are protected.
Here’s what those protections include:
- They cannot report false or incomplete information about you
- You can request debt validation within 30 days. They must prove the debt belongs to you and that the amount is accurate
- Harassment, repeated calls, threats, or abusive language are illegal
- They must clearly state who they are and that they are collecting a debt
- They cannot threaten arrest or jail for unpaid debts
Nelson Cruz and Associates Contact Information
- Address: 9535 Forest Lane, Suite 114, Dallas, TX 75243
- Phone Number: (888) 757-3930
Remove Nelson Cruz and Associates From Your Credit Report Today
Collections can stay on your credit report for years, but you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate negative items on their credit reports. They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take control of 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.
