Seeing TrueAccord on your credit report can drag down your credit score and make it harder to get approved for loans, credit cards, or housing. Here’s how to handle it and what steps you can take to remove them.
Who Is TrueAccord?
TrueAccord Corp is a debt collection agency based in San Francisco, California, with additional operations in Lenexa, Kansas. They collect unpaid debts on behalf of other businesses or purchase debts and attempt to recover them directly.
If they show up on your credit report, it usually means an account you owe has been sent to collections.
Who Does TrueAccord Collect For?
TrueAccord works with businesses across several industries, including:
- Credit card companies
- Consumer lenders
- E-commerce stores and subscription services
- Real estate and property management
- Utility providers
- Telecommunications companies
- Technology firms handling unpaid invoices
If you’ve fallen behind on payments with any of these, your account may have been assigned to TrueAccord.
Is TrueAccord Legitimate?
Yes, TrueAccord is a legitimate debt collection agency. They are authorized to collect debts for other businesses or recover debts they have purchased. That said, always verify any debt before making payments, as mistakes or outdated information can appear on credit reports.
How to Remove TrueAccord From Your Credit Report
Collections can damage your credit score for up to seven years, but there are ways to try to remove them sooner:
- Dispute the Account: If the account is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can handle this yourself or work with a credit repair company.
- Negotiate a Pay-for-Delete: Some agencies agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
- Hire a Credit Repair Professional: Credit repair experts know how to challenge negative marks on credit reports and help clean up 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 TrueAccord?
Before reaching out to TrueAccord or making a payment:
- Confirm the debt belongs to you.
- Verify the balance is accurate.
- Be aware that making payments can restart the statute of limitations in some states.
Many people prefer to work with credit repair specialists when dealing with collection accounts like TrueAccord.
Can TrueAccord Sue You or Garnish Wages?
TrueAccord has the legal right to sue 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 usually happen only after other collection attempts fail. Most agencies prefer to work out a payment arrangement or settlement first.
Complaints About TrueAccord
TrueAccord, like many debt collectors, 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 aggressive collection tactics
- Failure to provide proper debt verification
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With TrueAccord
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), including:
- Debt Validation: You can request written proof that the debt is yours and accurate. Send a debt validation letter, and they must respond within 30 days.
- No Harassment: TrueAccord cannot harass, threaten, or use abusive language when contacting you.
- Clear Identification: They must tell you they are a debt collector and notify you of your rights.
- No Arrest Threats: They cannot threaten you with arrest for unpaid debts.
Knowing your rights helps protect your credit and avoid unfair treatment.
TrueAccord Contact Information
Addresses:
TrueAccord Corp
303 2nd St. Tower, Suite 750
San Francisco, CA 94107
TrueAccord Corp
16011 College Blvd, Suite 130
Lenexa, KS 66219
Phone Number: (866) 611-2731
Need Help Removing TrueAccord From Your Credit Report?
If TrueAccord 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 extra peace of mind.
Ready to improve 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.
