What Is Aca Of Boston On My Credit Report?
Aca Of Boston is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Aca Of Boston A Debt Collection Agency?
Yes, Aca Of Boston is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Aca Of Boston may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Aca Of Boston Collect For?
Aca Of Boston purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Aca Of Boston Hurt My Credit Score?
Yes, it is highly likely having Aca Of Boston on your credit report is damaging your score significantly.
Understanding the Debt Validation Process
Understanding your rights as a consumer is crucial when interacting with debt collection agencies like Aca Of Boston. One of those key rights is to request debt validation, which requires the collection agency to prove that they own the debt and its corresponding amount owed from the original creditor.
Failure by them to provide this information means legal action must be taken for cessation of collection efforts and removal of said debt from credit reports. Learn more about how you can take advantage of your right to demand validation in order to receive the desired protection under law and pay off debts swiftly!
Options for Debt Settlement
When dealing with a debt, there are several creative solutions available. Negotiating a debt settlement with Aca Of Boston can be an effective way to manage your finances and eliminate your debt, but it may not always be the best choice for everyone.
Understand that settling will affect your credit score, and other options such as debt management or filing for bankruptcy might make more sense. Knowing your financial situation and following a plan that works best for you is key for making sure you get back on track financially in the most appropriate manner possible.
How Do I Remove Aca Of Boston From My Credit Report?
To be eligible to remove Aca Of Boston from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Aca Of Boston?
Paying off Aca Of Boston to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Aca Of Boston?
Settling your debt with Aca Of Boston could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Aca Of Boston Legit, Fake Or A Scam?
Aca Of Boston is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Aca Of Boston Keep Calling Me?
Aca Of Boston continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Aca Of Boston To Stop Calling Me?
As we’ve mentioned above, Aca Of Boston will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Aca Of Boston Reviews And Complaints
Aca Of Boston has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Aca Of Boston Try Suing Or Garnishing My Wages?
Aca Of Boston suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Aca Of Boston Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Aca Of Boston does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Aca Of Boston?
You have the right to dispute any of your debt that Aca Of Boston has purchased. Aca Of Boston is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Aca Of Boston Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Aca Of Boston. The reason? You may not want to pay Aca Of Boston debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Aca Of Boston Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.