How to Easily Remove Allied Interstate from Your Credit Report In 2020
By Sarah Sharkey
Last updated 01/16/2020
Summary: Learn how to remove the Allied Interstate collection agency from your credit report with ease in 2020.
The constant buzzing of your phone is a painful reminder that a persistent debt collector has gotten a hold of your information.
In your case, one of the most aggressive, Allied Interstate, is blowing up your phone and maybe even harassing you, with no intentions of relenting.
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There are several proven ways to get this company off your back, and more importantly, remove them from your credit report. Keep reading!
Who is Allied Interstate?
Allied Interstate is a collection agency with a reputation for aggressively recalling its debts.
In fact, they’ve had to pay millions of dollars in fines due to their unethical debt collection practices. So, these guys are no joke.
The agency regularly buys old debts, so if they are calling you then they have likely purchased your debt from another company.
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The other option is that they are trying to collect a debt that is not really yours.
Either way, they will aggressively pursue your repayment immediately.
It is in their best interest to get you to pay up without knowing any of your other options.
Luckily, you still have some options to explore before you relent to their calls and try to find a way to pay what is due.
How to Stop Calls from Allied Interstate
If you are constantly receiving calls from 888-253-3108, then you know that this collection agency is aggressively pursuing your debt.
Is there a way to stop calls from Allied Interstate?
Yes, you can request that they stop calling under the Fair Debt Collections Practices Act.
Just let them know that you are aware of your rights. Force them to follow the rules and tone down their constant calling.
Under the FDCPA, they cannot call you multiple times a day. Request that they follow the law.
If you see an entry on your credit report from a collection agency, it is possible for your credit score to drop like a rock.
You should know that the more important thing is to remove the company from your credit report.
You can also block a call, but a blemish to your credit score will have more negative consequences.
Plus, if you have them removed from your credit report, then chances are they’ll stop calling.
You might even have to file a complaint to the BBB before you will be able to get a collection agency to remove an invalid item from your report.
How to Remove Allied Interstate From Your Credit Report
If you see an entry on your credit report from a collection agency, it is possible for your credit score to fall like a popped balloon.
It is important to attempt to remove this entry as soon as possible.
Fortunately, the 3 steps below are proven to work.
NOTE: These are DIY steps. If you get lost along the way or don't have time to work on this, get help from our friends at The Credit Pros. They offer a free consultation and have the lowest rates in the industry.
Step 1 - Debt Validation
The first thing you need to do is ensure that the debt is truly yours.
Write them a letter that demands they validate the debt they are attempting to collect.
A debt validation should include the amount of money you owe, the name of your creditor, and how to move forward if the debt is not truly yours.
It is your right to have the debt validated, so they should cooperate.
However, there have been several reports that the company will ignore your request.
Under the FDCPA, it is illegal for them to refuse, but you may have to be aggressive.
Unfortunately, the company is known for not playing by the rules so you may need to word your letter strongly.
Once the company receives your letter, they legally have 30 days to provide the verification you request.
If they do not get back to you, then you need to follow up and demand verification.
You should also check to see if the collection agency is even licensed to do business in your state.
If they refuse to provide verification, then you should demand that the entry is removed from your credit report.
Allied Interstate is notorious for aggressively overstepping your rights, so make sure to stand your ground.
If they cannot validate the debt, then they should remove it from your credit score.
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Step 2 - Pay for Deletion
After you go through the debt validation process, you’ll know whether or not the debt truly belongs to you.
If it turns out that the debt is yours, then asking for a “delete” should be your next step.
You can ask the company to delete your debt from your credit report. Of course, you should be ready to pay for this.
However, it is a good option if you really need to improve your credit score now.
A “Delete Agreement” is similar to a settlement offer for the debt to go away permanently.
You should always try to get the account marked as "Paid In Full" no matter if you only made a partial payment.
Start with a number that you are comfortable with paying today for the debt to go away completely.
For example, you could offer to pay 10% of the amount owed. From there, negotiate back and forth with Allied Interstate.
It is possible to reach a delete agreement with this company, but it will likely not be easy. Be prepared for a long process that could have huge rewards.
Step 3 (If needed) - Talk to The Credit Pros
Allied Interstate is a particularly nasty collection agency, so you may have a difficult time removing them from your credit report on your own.
If you get stuck, then you should ask for help.
As with all things in life, it can feel difficult to ask for help. However, choosing to ask for help when you need it is a part of life.
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For you, that might start with finding a way to remove Allied Interstate from your credit report.
Luckily for you, the experts at Sky Blue know all of the tactics that can bring you success.
Allied Interstate might be a difficult collections agency to work with but if anyone can help, it is Sky Blue.
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It is easy to be overwhelmed with this process, so getting expert help is never a bad idea. In fact, it can save you a lot of time in your path forward.
If you are struggling to navigate your own credit journey, then read more here.
The Bottom Line
Allied Interstate might be breathing down your neck with harassing phone calls and threats but there is a way out.
You can start by sending a letter asking for validation or jump straight to The Credit Pros for help.
Either way, you have options, so do not let Allied Interstate intimidate you. Work to remove them from your credit report and stop the incessant calling today.
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By Sarah Sharkey
Sarah is a personal finance writer who enjoys helping people make better financial decisions. Sarah enjoys traveling, hiking and reading when she is not writing. You can connect with her on her blog, Adventurous Adulting.