Other complaints about Alliance One state that the agency reports debts that are not the same as the original creditor. For instance, a complainant stated in our research that Alliance One contacted them about a debt they had already paid months prior, stating he owed more money for the same traffic violation. Several complainants have stated that Alliance One has tried to rehash old debts and request payment, even reporting the items on their credit report.
If Alliance One, or any debt collector, practices debt collection by questionable means, it is best to ask the credit bureau listing the debt to delete the debt from your record. This way, both agencies must comply with producing accurate information. First, ask for debt validation.
This will take approximately 30 to 45 days. Be patient, as this process can save you hundreds or thousands of dollars if you succeed. If the debt is not yours or if Alliance One cannot prove it is yours, the collection service must delete this debt from your report.
If the debt returns as yours, you can ask for validation of dates. If the date of your first delinquency is more than seven years ago, ask for deletion due to the debt being outside of the reporting period. If the debt is yours, you can also call the original creditor. Try resolving the debt by asking for deletion upon payment , making sure to have their acceptance of these terms in writing.
This is a pay-for-deletion tactic, but it also ensures you satisfy your original debt without paying excessive debt collection fees. If you have documents that prove you paid a debt, but Alliance Once states that you still owe money, you can submit copies, along with a letter to the credit bureau indicating their error and to have the bad mark deleted. You could also use the same copies to send a cease and desist letter to Alliance One to ask them to stop contacting you.
Start with the proactive approach of contacting Alliance One and asking to set up a payment plan. All of this should be included in a written document to avoid confusion later.
Headquarters: Trevose, Penn. Be sure to fill out the required fields, and remember to get any payment plan agreements in writing before making payments. Always exercise caution when anyone calls you claiming you owe a debt. Many scammers use the same tactics. Several of my co-workers and I received a call on our work lines that we owed the IRS money and that police would arrest us if we did not return the call.
Alliance One is not a scam. But some scams do use similar names and tactics. To be safe, never pass out your Social Security number or any other personal financial information over the phone. Your staff did a great job, I was finally able to buy myself a brand new car without using a cosigner. I would recommend your services to anyone. I sleep like a baby at night now because of the work that you and your office have done.
Rest assured that I will refer anyone I know to your office with conditions that are similarly circumstanced. You have been very helpful at first directing me in the right direction when I had no clue how to go about handling everything, I really appreciated all your advice and help and hope we can work something out.
Thanks again for all your help and kind words, and patience. Who Is AllianceOne? Call Us Now to Get Started They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in and beyond.
All rights reserved. Credit Glory Inc. Individual results may vary. AllianceOne hurting your credit score? What Is AllianceOne? You might not have to pay your debts! Paying your debts may hurt your credit and lower your score. Give Credit Glory a call and chat with a friendly credit repair expert.
We can help you too. Sign up.
0コメント