American Agencies
American Agencies was founded as a collection agency in 1969. American Agencies pursues debt collection in various industries including telecommunications, banking, education, medical and high technology. Although located in Utah, American Agencies is licensed to collect unpaid debt in all 50 states. American Agencies is known to make harrassing phone calls and send annoying collection letters in their attempt to collect debt. American Agencies is even known to place derogatory information on the consumers' credit file in their attempt to collect debt.
Federal laws have been put in place that grant collection agencies like American Agencies the right to place negative information on your consumer credit report, which can damage your credit report by lowering your credit scores. Having lower credit scores may prevent lenders from approving you for new credit but even if you are approved for the financing you desire, you can rest assured that your interest rate will be high. Among other laws, the Consumer Credit Protection Act allows you to dispute, and potentially remove negative information from your consumer credit report. This allows the consumer some form of protection against collection agencies like American Agencies.
I had numerous late payments, collection accounts and charged off accounts being reported on my consumer credit file. Sick and tired of having low credit scores, I attempted to perform credit repair myself by contacting collection agencies similar to American Agencies in an attempt to negotiate some kind of arrangement with them. I wanted to see if I could get them to remove the negative information on my credit report. Dealing with collection agencies like American Agencies was more time consuming and frustrating than I could have possibly imagined. Even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus.
I needed results and didn't have the patience or hundreds of hours it was going to take to deal with all of the collection agencies like American Agencies so I contacted Credit Restoration Bureau. They immediately began working to repair my credit by deleting all sorts of derogatory items from my consumer credit file like late payments and collection accounts (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. By the time Credit Restoration Bureau was finished, my scores had all gone up more than 100 points and I was in the 700s. They had truly given me a fresh start and I was no longer worrying about collection agencies like American Agencies.
Here is one of the update letters I received from the credit bureaus. This one is from TransUnion and shows the deletion of one late payment and two collection accounts placed on my credit report by a collection agency similar to American Agencies.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like American Agencies. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes like late payments and collection accounts but they even have amazing success removing the most difficult items like bankruptcies and foreclosures. If you have negative information on your credit report and would like a higher credit score, you should talk to professionals that specialize in credit repair. You should call Credit Restoration Bureau or click their link below.
