If you’ve noticed One Advantage, LLC on your credit report, it could be damaging your credit score. Here’s how to deal with them, what your rights are, and the steps you can take to remove their account from your credit report.
Who Is One Advantage, LLC?
One Advantage, LLC is a debt collection agency based in Belleville, Illinois, with offices in La Porte, Indiana, and Miami, Florida. Their main focus is collecting unpaid debts for their clients.
If One Advantage shows up on your credit report, it usually means they’ve been hired to collect a debt you owe.
What Types of Debts Does One Advantage Collect?
One Advantage provides debt collection services to healthcare companies. They collect unpaid debts on behalf of:
- Hospitals
- Clinics
- Health insurance companies
- Medical service providers
If you have an unpaid medical bill or related debt, One Advantage may be the agency trying to collect it.
Is One Advantage, LLC a Legitimate Company?
Yes, One Advantage is a real debt collection agency. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as credit reports can contain mistakes.
How to Remove One Advantage, LLC From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But you may have options to get them removed sooner:
- Dispute inaccurate information – If the debt isn’t yours or is listed incorrectly, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask One Advantage to prove the debt belongs to you.
- Negotiate a pay-for-delete – Some companies will remove the account from your credit report if you agree to settle the debt.
- Work with a credit repair company – Experts can help challenge negative items and guide you through the process.
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 One Advantage?
Before reaching out or making payments, confirm the debt is valid and reported correctly. Some debts may be inaccurate or past the statute of limitations.
Keep these points in mind:
- Making a payment can reset the clock on how long the debt stays on your credit report.
- You can request proof of the debt before agreeing to pay.
- A credit repair service can help you avoid mistakes and improve your credit.
Can One Advantage Sue You or Garnish Your Wages?
Yes, they can take legal action to collect unpaid debts. If they file a lawsuit and win, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
The specific actions depend on your state’s laws. Most collection agencies prefer to arrange a payment plan rather than take the matter to court.
One Advantage, LLC Contact Information
Belleville, Illinois Office:
One Advantage
7650 Magna Drive
Belleville, IL 62223
La Porte, Indiana Office:
One Advantage
1230 W State Rd 2
La Porte, IN 46350
Miami, Florida Office:
One Advantage
7715 NW 48th Street, Suite 100
Doral, FL 33166
Phone Numbers:
(800) 229-6564
(618) 222-9865
(800) 332-1962
(219) 324-6835
Complaints About One Advantage, LLC
Many collection agencies receive complaints, and One Advantage is no exception. Reports to the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) often mention:
- Incorrect credit reporting
- Harassing phone calls
- Failure to provide proof of the debt
If you experience harassment or errors, you can file a complaint and exercise your consumer rights.
Your Rights When Dealing With One Advantage
You have protections under federal and state laws. The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you these rights:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They are not allowed to harass you, use abusive language, or repeatedly call.
- They must clearly identify themselves as a debt collector.
- They cannot threaten jail time for unpaid debts.
Knowing your rights can help you handle the situation with confidence.
Remove One Advantage From Your Credit Report Today
If you feel overwhelmed by collection accounts, help is available. Credit Saint has over 15 years of experience helping clients challenge negative items, including accounts from One Advantage.
They even offer a 90-day money-back guarantee, so you can get started with peace of mind.
Call (855) 281-1510 or visit their website to learn more.
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.
