One Advantage, LLC

Who is One Advantage, LLC?

One Advantage, LLC, is a debt collection agency based in Belleville, Illinois, with additional locations in La Porte, Indiana and Miami, Florida. The agency’s main role is to recover unpaid bills on behalf of their clients.

If One Advantage appears on your credit report as a collections account, this signifies that the agency has assumed the responsibility of collecting a debt you have not paid.

Who does One Advantage collect for?

One Advantage focuses specifically on providing debt collection services to healthcare payers and providers. This includes entities such as health insurance companies, hospitals, clinics, and other medical service providers.

Is One Advantage legit or a scam?

One Advantage is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove One Advantage from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

One Advantage, LLC Contact Information

Addresses:

One Advantage
7650 Magna Drive
Belleville, IL 62223

One Advantage
1230 W State Rd 2
La Porte, IN 46350

One Advantage
7715 NW 48th Street Suite 100
Doral, FL 33166

Phone number: (800) 229-6564, (618) 222-9865, (800) 332-1962, or (219) 324-6835

Should I contact or pay One Advantage, LLC?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with One Advantage, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like One Advantage on behalf of their clients.

Will One Advantage, LLC sue me or garnish my wages?

One Advantage, LLC does possess the legal right to sue for unpaid debts. If a lawsuit is pursued and One Advantage wins the case, they may be awarded a judgment against you which can, subject to state laws, potentially lead to wage garnishment or bank account levies.

However, lawsuits are generally viewed as a last resort by most debt collection agencies due to the time, cost, and resources they require. More often, they will seek to establish a payment plan or negotiate a debt settlement agreement with you.

One Advantage, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with One Advantage, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for One Advantage, LLC to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• One Advantage, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• One Advantage must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• One Advantage cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove One Advantage From Your Credit Report Today!

Credit Saint can assist you in disputing One Advantage accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.