Is Payliance hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Payliance?

Payliance, Inc. is a debt collection agency located in Columbus, Ohio. They offer a broad spectrum of services to merchants, including payment processing, risk management, and payment recovery. Their services assist merchants in managing their finances, ensuring transaction security, and recovering owed money.

If you have unpaid bills, your debt might be handed over to Payliance for collection. Consequently, you may find “Payliance” appearing on your credit report as a collections account.

Who does Payliance collect for?

Payliance works with a variety of merchants across different sectors who need help in recovering unpaid debts. This could include retail businesses, service providers, financial institutions, healthcare providers, and more.

Is Payliance legit or a scam?

Payliance, Inc. is a legitimate company. However, like with any business interaction, it’s essential to ensure that the communication you’re receiving is genuinely from Payliance.

Some scam artists may pose as legitimate debt collectors. If you’re contacted by someone claiming to represent Payliance and the interaction seems suspicious, don’t provide any personal information. Instead, request a written validation notice detailing your debt.

How can I remove Payliance Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Payliance Contact Information


2 Easton Oval Ste 310
Columbus, OH 43219

Phone number: (800) 634-4484

Should I contact or pay Payliance?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will Payliance sue me or garnish my wages?

Payliance is entitled to sue you if you owe a debt. However, the decision to file a lawsuit often depends on several factors, including the size of the debt and the perceived likelihood of repayment. If Payliance successfully obtains a court judgment against you, it may be able to garnish your wages or take other steps to collect the debt, depending on state laws.

However, before it reaches that stage, you typically have opportunities to resolve the debt. You can negotiate a payment plan, settle for less than the full amount, or in some cases, dispute the debt if you believe it’s incorrect.

Payliance Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Remove Payliance From Your Credit Report Today!

Credit Saint can help you dispute Payliance collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.