What Is Acei Debt Collection On My Credit Report?
Acei Debt Collection 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 Acei Debt Collection A Debt Collection Agency?
Yes, Acei Debt Collection 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").
Acei Debt Collection 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 Acei Debt Collection Collect For?
Acei Debt Collection 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 Acei Debt Collection Hurt My Credit Score?
Yes, it is highly likely having Acei Debt Collection on your credit report is damaging your score significantly.
Understanding the Impact of Acei Debt Collection On Your Credit Score
It's crucial to recognize that having Acei Debt Collection on your credit report can significantly harm your score. Irrespective of the amount owed, a collections account can stay on your credit report for up to seven years from the initial delinquency date. This indicates that if Acei Debt Collection is currently on your credit report, it will continue to adversely affect your score for a long time.
This could make it challenging for you to obtain loans, credit cards or even rent a home. Moreover, potential landlords, insurance companies and employers may use your credit score as a criterion to evaluate you. Therefore, having a low score could also restrict your ability to secure employment opportunities, find housing or get insurance.
Don't allow Acei Debt Collection to keep damaging your credit score. Contact a reputable credit repair company like Credit Sage today to learn how they can assist you in removing Acei Debt Collection from your credit report.
What to do if Acei Debt Collection Files a Lawsuit Against You
In case Acei Debt Collection has filed a lawsuit against you, it's crucial to take swift action. You have the right to defend yourself against the lawsuit, and if you don't respond promptly, the court may enter a default judgment against you.
The first thing to do is to seek assistance from an attorney who can help you determine if the lawsuit is legitimate. If it's not, they can assist you in fighting it. If it is valid, they can help negotiate a settlement agreement that works for you.
It's worth noting that failing to respond to the lawsuit could lead Acei Debt Collection obtaining a judgment against you. This decision might allow them to garnish your wages or seize your assets. Don't wait until this happens – contact Credit Sage today for the necessary aid before Acei Debt Collection resorts to filing a lawsuit.
How Do I Remove Acei Debt Collection From My Credit Report?
To be eligible to remove Acei Debt Collection 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 Acei Debt Collection?
Paying off Acei Debt Collection 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 Acei Debt Collection?
Settling your debt with Acei Debt Collection 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 Acei Debt Collection Legit, Fake Or A Scam?
Acei Debt Collection 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 Acei Debt Collection Keep Calling Me?
Acei Debt Collection 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 Acei Debt Collection To Stop Calling Me?
As we’ve mentioned above, Acei Debt Collection 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.
Acei Debt Collection Reviews And Complaints
Acei Debt Collection has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Acei Debt Collection Try Suing Or Garnishing My Wages?
Acei Debt Collection 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 Acei Debt Collection Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Acei Debt Collection does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Acei Debt Collection?
You have the right to dispute any of your debt that Acei Debt Collection has purchased. Acei Debt Collection 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 Acei Debt Collection Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Acei Debt Collection. The reason? You may not want to pay Acei Debt Collection debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Acei Debt Collection 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.