Here are just a few of the many problems that you’ll suffer while dealing with a collection agency:
• Creditors will reject you for a home or auto loan.
• You won’t be able to get a new job – assuming your potential employer does a credit check. (Many employers now run credit checks now before offering you a job. A collection item on your credit history is a Red Flag.)
• Your will pay more for auto insurance, home insurance, and other types of insurance.
You got to this website for a reason. Allied Interstate may have contacted you about a debt. If so, Allied Interstate probably has placed a collection or charge off item on your credit report.
How do you repair your credit report? How should you deal with collection agencies like Allied Interstate?
The Do-it-Yourself Method
You can dispute the Allied collection item directly with the credit bureaus. The credit dispute is to prove the item is inaccurate. If so, the credit bureau should remove the Allied Interstate item. (I tried this and it didn’t work for deleting Allied Interstate collection items. See my full story below.)
If your dispute letter does not work, then you will need to get aggressive. You have several Federal and State laws you can use. I won’t sugarcoat this. These laws are confusing. If you do not have a law degree, you should be cautious about using techniques. Rumor has it that a credit bureau or creditor will Red Flag your account if they discover you doing “unethical” credit repair.
Here is the good news: Often a debt validation letter can work to eliminate Allied Interstate from your credit report. I posted a video about my experience with Allied a little ways down the page.
How to Use Debt Validation to Beat Allied Interstate
Assuming that Allied is out of line, you can use Debt Validation to challenge the debt and credit report item. Generally, if the debt cannot be verified by the credit bureau, the bureau removes the item in question.
Again, there is a right way to use debt validation. There are time limits. Seek help from the pros like I did. (It costs way less than you think.)
Again, you have some other advanced laws you can use if all else fails. Consider the Free Credit Reporting Act and the Fair Debt Collection Practices Act. However, these laws can be very murky and unclear and vary from state to state in their application.
Your last option is to wait it out. Maybe you don’t plan on buying a home or car or getting new credit for the next 7-10 years. Seven years is the maximum amount of time the credit bureaus can list negative information on your report. (You will wait 10 years if Allied Interstate gets a judgment against you.)
If you want results from a company who already helped others deal with Allied Interstate (including me), you should consider Lexington Law . They are affordable to almost anyone willing to invest a modest sum to clean up their credit report. (By the way, their average client has 8.6 items deleted within the first three months!)
Keep on reading - check out my personal story of how Lexington Law deleted Allied Interstate from my credit report.
True Story: “I’ll be the first to admit that I’m not perfect - especially when it comes to finances but no one should be treated the way Allied Interstate treated me and my family. I hit a really rough patch a few years ago and got behind on some bills. Allied Interstate got involved and things got real ugly.
Allied Interstate's bill collectors can be an enormous pain. If you want instant help dealing with Allied, call this number: 1-800-232-2903. These guys erased my Allied debt and fixed my credit score.
Allied’s bill collectors started calling me at 8 am and didn’t stop until 7 at night…day after day after day. Eventually we wife and I stopped answering the phone because we were scared of the Allied bill collectors and what they would say to me if I answered the phone.
(At first I tried to be rational and work out a plan. The collection agents accused me of being a “dead beat” and a “thief”.)
You’re probably thinking I’m some loser dad who is irresponsible with money. The real truth is that Allied tried to collect more than I owed them. Plus, Allied added a whole bunch of interest and fees which, in my opinion, were illegal.
The worst part is that Allied Interstate ruined my credit history and reputation at work. They called my boss at work and put negative marks all over my credit reports.
Allied did some other dirty stuff to my credit rating. For example, my credit was littered with dozens of inquiries from Allied Interstate. Each one of these inquiries was a black mark. They had no reason to check my credit as often as they did.
Allied knows they are ruining your credit! This is their technique – they strong- arm you. They hold your credit score hostage so that you are forced to negotiate on their terms!
Here is real proof of an Allied Interstate negative item that was DELETED
from my credit report. I got a lot more letters just like this one proving that chargeoffs,
collections, and late payments had been deleted.
Allied Interstate, Inc.
3111 S Dixie Hwy, Suite 101 West Palm Beach, FL 33405
Phone: (561) 671-2121 (800) 955-3103 Fax: (561) 671-6040
I tried do-it-yourself credit repair after Allied Interstate forced me to clean up my credit. I made all kinds of mistakes when trying to get things back on track. Here are a few of the mistakes that only made things worse with my Allied Interstate Account…
MISTAKE #1: I sent TOO MANY dispute letters to the credit bureaus. (It turns out that you can actually send too many letters to the credit bureaus, and they’ll mark your dispute as frivolous! They are EXTREMELY sensitive and get angry when people dispute too often. Worse yet, they may FLAG you as doing illegal credit repair.
MISTAKE #2: I forgot to ask for debt validation. The law gives you only 30 days to validate a debt and I missed the deadline. (You may have missed the deadline already, but the law firm I used might help you like they helped me with my Allied account)
MISTAKE #3: Finally, I tried getting them to remove the bad credit by talking to creditors and credit bureaus on the phone. This was a huge mistake and I learned that putting your demands in writing is the only way to get results. You must know what to say and how to say it and PUT IT IN WRITING!
To make a long story short, I made a bigger mess of my credit rating. I COULD NOT GET RID OF ALLIED without some expert help! I thought that Allied was going to be stuck on my credit forever. I did some research and trusted the advice of a close friend who recommended I use Lexington Law, who had dealt with Allied Interstate Collections and helped people just like me.
I found a Law Firm who knows how to beat Allied. This law firm had already helped hundreds of other people beat Allied’s stubborn business practices. After I signed up with Lexington Law, they went to work and permanently erased all the bad credit from Allied Interstate.
In fact, I was able to increase my credit score over 106 points in just a
few months and got approved for a new car at a super-low interest rate.
This letter is from Experian stating that 2 items have been deleted. Every time an item is deleted, the credit bureaus must send you a letter informing you of an update
to your report.
This is another letter from Transunion showing 3 deletions. One is a Discover chargeoff deleted and another collection entry from the Asset Acceptance collection agency. They also deleted a judgment which the creditor refused to remove even though they were wrong.
Here you see a retail charge deletion, auto repo deletion, and credit card
deletion. Each time a new letter arrived, it meant that my score was improving.
Step 1: I Realized that I Needed an Expert to Erase Certain Types of Bad Credit. After months of wasting my time, I finally listened to a close friend who told me about Lexington Law.
Step 2: I called the toll-free number (1-800-232-2903), on the upper right hand side, and asked how they could get rid of my Allied Interstate account.
Step 3: I signed up for their monthly service and finally got Allied Interstate and other collections off my credit report. I checked my score after just a few weeks and saw almost immediate improvement. This is definitely not a scam. I got real results, all of which are documented here on this website.
Click Here to Delete Allied Interstate from Your Credit