Associated Credit Service is a debt collection agency operating in the northwest and located in Spokane, Washington, with branch offices in Seattle, Washington and Coeur d’Alene, Idaho. The company works on a contingency basis. Associated Credit Service only gets paid a percentage of the money they’re able to collect from you. Debt collection agencies that operate on contingency are highly motivated to use whatever means possible to get money from you because they only get paid when they do.
In business since 1967, Associated Credit Service bills itself as a family-owned agency that has grown and expanded over the years. They boast that they leave no stone unturned in their attempts to quickly find debtors and exact payment from them for past due, delinquent and defaulted accounts.
The Better Business Bureau for Eastern Washington, North Idaho and Montana gives Associated Credit Service an F rating, and reports that they have failed to respond to several consumer complaints filed against them. The BBB also lists a number of other complaints in which they attempted to resolve consumer complaints against Associated Credit Service, all of them involving bill collection issues.
Stop Associated Credit Service Harassment
One tool often used by debt collection agencies is credit bureau reporting. Debt collectors know that reporting people to the credit bureaus will often pressure a person to pay up, even on debts they do not owe, just to get the black mark removed from their credit record. According to the Associated Credit Service website, the company routinely reports all accounts to all three major credit bureaus. When Associated Credit Service gets hold of an account they believe to be yours, there’s a very good chance that you will find it listed as a negative item on your credit report.
Because credit reports and credit scores affect so many important aspects of people’s lives, the Fair Credit Reporting Act and Fair Debt Collection Practices Act provide specific conditions for reporting accounts to consumer credit bureaus.
You must be notified before a debt Associated Credit Service or any other debt collector reports a negative item to any of the credit bureaus. That notification may be buried in other papers or notices about your account, so it’s very important that you always open and carefully read any notices you receive from Associated Credit Service.
Associated Credit Service must notify you if they have sent or will send negative reports about you to any credit bureau. You have the right to dispute inaccurate information submitted by Associated Credit Services to any credit bureau. In order to do that, you should notify both the credit bureau and the debt collection agency that the item is inaccurate or should not be included on your credit report. The credit bureau has 30 days to investigate the report, and notify Associated Credit Service that you are disputing the debt. Associated Credit Service must then reinvestigate the account, and if they determine that you’re correct, must notify the credit bureau so that the negative item can be removed from your credit report.
Often, debt collection agencies refuse to remove inaccurate information they have reported to the credit bureaus from your credit report. When that happens, you have the right to sue the debt collector for violation of the Fair Credit Reporting Act. If Associated Credit Service is found to have violated the provisions of the Fair Credit Reporting Act, they will have to pay you damages and pay your legal fees.
Associated Credit Service Contact Information
Associated Credit Service
12815 E. Sprague Ave., Suite 200
Spokane Valley, WA 99216
800-572-6989
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact
Lemberg & Associates
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