If Tri-State Adjustments is showing up on your credit report, it could be hurting your credit score and making it harder to get approved for loans or other accounts. Here’s what it means and how to get it removed.
Who Is Tri-State Adjustments?
Tri-State Adjustments, Inc. is a debt collection agency based in La Crosse, Wisconsin. They work with businesses to recover unpaid debts that have been sent to collections.
If they appear on your credit report, it usually means an unpaid account has been transferred to them for collection.
Who Does Tri-State Adjustments Collect For?
Tri-State Adjustments works with a wide range of businesses, including:
- Agricultural companies
- Government agencies
- Healthcare providers
- Industrial and commercial businesses
- Legal and professional services
- Retail establishments
If you owe money to one of these, your account may have been sent to Tri-State Adjustments for collection.
Is Tri-State Adjustments Legitimate?
Yes, Tri-State Adjustments is a legitimate debt collection company. They are authorized to collect debts for other businesses. But even with legitimate collectors, you should always verify any debt before making payments. Credit reports often contain inaccurate or outdated information.
How to Remove Tri-State Adjustments From Your Credit Report
Collection accounts can damage your credit score for up to seven years, but there are steps you can take to try to remove them sooner:
- Dispute the Account: If the information is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this on your own or with a credit repair service.
- Negotiate a Pay-for-Delete: You may be able to negotiate with Tri-State Adjustments to have the account removed in exchange for payment. Get any agreement in writing.
- Work With a Credit Repair Company: Credit repair experts know how to challenge collection accounts and help improve your credit.
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 Tri-State Adjustments?
Before contacting Tri-State Adjustments or making a payment:
- Confirm the debt is yours and the amount is accurate.
- Understand that making payments can restart the statute of limitations in some states.
- Consider working with a credit repair professional if you’re unsure how to proceed.
Can Tri-State Adjustments Sue You or Garnish Wages?
Yes, Tri-State Adjustments can sue you over unpaid debts. If they win a judgment in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on state laws and typically happen only after other collection attempts have failed. Most agencies prefer to arrange payment plans or settlements first.
Complaints About Tri-State Adjustments
Tri-State Adjustments has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to properly verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Tri-State Adjustments
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), including:
- Debt Validation: You can request proof the debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: They cannot harass, threaten, or call you excessively.
- Clear Communication: They must identify themselves as a debt collector and inform you of your rights.
- No Arrest Threats: Debt collectors cannot threaten you with arrest for unpaid debts.
Knowing your rights can help you handle collections confidently.
Tri-State Adjustments Contact Information
Address:
Tri-State Adjustments, Inc.
3439 East Ave S
La Crosse, WI 54601
Mailing Address:
P.O. Box 3219
La Crosse, WI 54602-3219
Phone Numbers:
(800) 562-3906
(608) 788-8683
Need Help Removing Tri-State Adjustments From Your Credit Report?
If Tri-State Adjustments is hurting your credit score, you don’t have to deal with it alone. Credit Saint has over 15 years of experience helping clients challenge negative items on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Want to clean up your credit? Visit their website or call (855) 281-1510 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.
