800-545-9931 belongs to Asset Acceptance. They’re a debt collector reporting a collection account on your credit report.
This can mean 2 things:
The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).
There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.
Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.
The best news? We’ve helped thousands of customers remove Asset Acceptance from their credit reports (without having to pay their debt). When Asset Acceptance is removed from your report:
If you owe a debt to Asset Acceptance and they are calling from their collection number, 800-545-9931, it's important to know your rights and how to handle the situation. Before taking any action, you should request validation of the debt from Asset Acceptance. This should include documentation of the original creditor and the amount owed.
If the debt is yours and Asset Acceptance is authorized to collect on it, you can work with them to come up with a repayment plan that works for both parties. Be sure to get any agreements in writing and keep copies for your records. You can also negotiate a settlement for less than the full amount owed. Remember, understanding your rights and taking appropriate action is key in successfully dealing with debt collection attempts.
If you find inaccurate information related to Asset Acceptance on your credit report, it's important to take action to correct it. Request a copy of your credit report from one of the three major bureaus (Experian, Equifax, or TransUnion) and review it carefully to identify any inaccuracies.
You have the right to dispute any errors with the credit bureau and the furnisher of the information (Asset Acceptance). You can do this online, by mail, or by phone. Provide as much detail as possible when disputing the information, including proof such as payment receipts that support your claim. The credit bureau has 30 days to investigate your dispute and respond with their findings. It's important to act quickly if you find inaccurate information on your report in order to protect your credit score and avoid potential issues in obtaining future credit.
Speak with a live credit specialist for your free consultation, now