Has Alliance One shown up on your credit report? Have you been receiving calls from them? If your account goes into collections and is sold to Alliance One, realize they have a reputation for being one of the most aggressive debt collectors out there.
Still, it’s important to get a handle on the situation and start restoring your credit. Just one negative mark can reduce your credit score by several points.
Being able to remove a debt collector’s account from your credit report can be a solution in a best-case scenario. There are a few steps involved when doing this. Keep reading to learn how to remove Alliance Once from your credit report and settle any debt you have with them.
Who Is Alliance One?
There are so many debt collection agencies out there and some of them may even be scams. If you’re wondering ‘is Alliance One legit?’ you’re certainly not alone. Alliance One is, in fact, a legitimate debt collection agency based out of Pennsylvania.
They’ve been around since 1998 and provide collections services for various types of debt including:
- Utility bills
The downside is that so many people have issues communicating with them so they have a lot of negative customer service complaints. Like all debt collection agency’s Alliance One’s primary focus is to collect payment from you.
They may not attempt to do so in the most mindful manner. I’ve found multiple shocking complaints online about workers from this company yelling at people on the phone and being unprofessional.
When you’re confused about a debt you may owe, the last thing you need is someone being quick-tempered and yelling it you over the phone. Debt collectors must follow certain rules and regulations as outlined by the Federal Trade Commission (FTC).
When dealing with Alliance One, your first step should be to stop the harassing phone calls.
How To Stop Alliance One Calls
📰 New Federal debt collection regulations will take effect on Nov. 29, 2021. The new rules will have a far-reaching impact on the debt collection industry. If you have delinquent debts or accounts in collection these rules will affect you.
Learn more about Regulation F and what will it mean for consumers with debts.
If you’re receiving several unpleasant calls from Alliance One each week, realize there are a few things you can do. The first thing you’ll want to do is stay calm and listen to what they have to say.
Next, you’ll want to make sure they are not breaking any laws under the Fair Debt Collections Practices Act. The FDCPA was put in place to protect consumers and regular debt collection agencies to ensure they don’t cross the line.
Under these regulations, a debt collector can’t call you before the hours of 8 am and 9 pm each day in your time zone.
They also can’t lie to you or threaten you about a debt over the phone. For example, they can’t say they’re going to garnish your wages if you don’t pay them unless they actually are in the process of doing this.
The FDCPA also helps prevent harassment from debt collectors since you have a right to request that you are only contacted in writing. This can stop the annoying phone calls. However, it won’t erase your debt.
Knowing your rights as a consumer is important and you’ll want to utilize the FDCPA especially when talking to aggressive debt collections. Still, you’ll need to communicate with them and get to the bottom of things so be sure to follow these next steps as well.
Send A Debt Validation Letter
The next step when dealing with Alliance One should be to request a debt validation letter. Debt collection agencies must prove that you do in fact owe the debt and they are legally responsible for collecting it.
Too many times, companies make mistakes or mix up names and the wrong person may end up paying off a debt they don’t even owe. It’s important to make sure Alliance One can send verification that the debt is actually yours. Otherwise, they have to remove the negative mark from your credit.
Be sure to request debt validation in writing within 30 days of Alliance One contacting you. For more guidance on what your debt validation request should include, be sure to check out our templates here.
Dispute Any Inaccurate Information
If Alliance One can not validate the debt or they report any inaccurate information about your account, be sure to dispute it with the three major credit bureaus. Don’t expect a debt collection agency to do this for you.
Also, keep in mind that you can only dispute inaccurate information such as the amount of debt, the dates of the debt, the original creditor, and similar mistakes. Do not try to dispute information that is accurate.
Realize TransUnion, Equifax and Experian operate independently from each other so you’ll need to file a dispute with each of them individually to make sure the mistake gets removed from your credit report.
Negotiate A Pay For Delete
Let’s say Alliance Once does validate the debt and it is accurate. You will need to settle with them but you may not want to pay the entire balance off quickly if you want to protect your credit. In many cases, paying off an account in collections does not help your credit or remove the negative mark from your report.
Often times, collection agencies are willing to settle on an amount that is less than what you originally owed. Plus, you may even be able to negotiate a pay for delete agreement where they’d delete the account from your credit report upon paying off the balance.
This would be a best-case solution but it’s not always easy to get debt collectors to agree. You can certainly try to negotiate a pay for delete agreement on your own, but in some cases it’s best to deal with a credit repair company.
Don’t Give Up
Know your rights as a consumer and make sure Alliance One is able to validate the debt they say you owe. If you feel comfortable, negotiate a pay for delete arrangement. Or, you can work with a reputable credit repair company to help you do this.
Getting a collection account successfully removed from your credit report can result in your score increasing by over 100 points so it’s definitely worth the effort.