Aldous & Associates On Your Credit Report?

Who Is Aldous & Associates, and What Do They Do?

Aldous & Associates is a debt collection agency that was set up in 2015 in Salt Lake City, Utah. They engage  in recovering unpaid debts from various industries in all 50 states in the US. The industries they collect for include healthcare providers, utility companies, financial services, and telecommunications providers, but they also collect for other industries.

Aldous & Associates employs various collection methods, from basic collection calls to sophisticated processes like skip tracing and, where warranted, litigation. If Aldous & Associates takes legal action and obtains a judgment, the agency may then enforce the judgment. Like all legitimate debt collectors, Aldous & Associates must abide by the provisions of both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

If you find that you are having a hard time dealing with debt collectors, or if the idea of talking to debt collectors is giving you stress or anxiety, consider getting help from a professional credit repair service like Credit Glory to manage the situation. They can help you negotiate while safeguarding your credit and making sure your rights are protected in case the agency, such as Aldous & Associates, does not play fair.

Is Aldous & Associates a Legitimate Debt Collection Company?

You might wonder if a debt collection agency such as Aldous & Associates is a legitimate business when they call you about an alleged unpaid debt. Yes, Aldous & Associates is a real business with its fair share of complaints. The Better Business Bureau currently gives Aldous & Associates a D rating and they are not BBB-accredited. In the past three years, they have received 847 complaints, with 566 filed in the past year.

Although there are always complaints against debt collectors, it’s still a good idea to skim through them so you know what to expect with Aldous & Associates. Most of the complaints were about communication problems or disputes over the validity of the debt. If Aldous & Associates has gone too far in its attempts to collect from you you can lodge a formal complaint against the firm, either in court or with a consumer advocacy agency.

What Steps Can I Take to Remove Aldous & Associates From My Credit Report?

Review Your Credit Reports Thoroughly

If Aldous & Associates LLC is reporting a debt that you feel you may be able to dispute, the first thing you can do is order copies of your credit report from each of the three major bureaus: Equifax, Experian and TransUnion. Review the reports thoroughly because outdated or erroneous information can appear on one bureau’s report that is not reflected on the other two. Look for things such as incorrect balances, duplicate listings, or accounts that do not belong to you. If you do find information that is inaccurate, dispute the item directly with the bureau.

Negotiate a Debt Settlement for Removal

Luckily, even if a debt is legitimate you still aren’t out of options as you could try to settle that debt for less than what is owed. If Aldous & Associates agrees to a settlement, you can ask that they remove the derogatory mark in exchange for your payment. Make sure that any agreements with the collection agency are put in writing, and keep copies of all correspondence, including phone calls, emails, and letters.

Dispute the Debt for Insufficient Proof

There are also ways to attack the debt itself, even if it is valid. If you don’t believe you were sent a bill, or if the bill you received is incomplete or contains inconsistencies, you can dispute the item on the basis of insufficient proof. Keep in mind, however, that if your dispute is unsuccessful, the debt will remain on your credit file for seven years unless you manage to have it deleted.

Consider Professional Help

Unfortunately, these processes can be tedious and complex, and take quite a bit of time.  For the typical consumer tasked with understanding and navigating the system, not to mention the federal laws governing it (such as the FCRA), it can be a painstaking and frustrating process. Hiring a service such as Credit Glory can help speed up the process of removing negative entries from your credit report so that you can achieve your financial goals, without you having to spend your time doing all the legwork yourself.

Frequent calls from Aldous & Associates probably mean they are calling about an unpaid bill from medical, utility, or telecommunications services. Healthcare providers, utility companies, and telecommunications companies often hire Aldous & Associates to collect payment on unpaid bills. While payment collectors are allowed by law to contact you, they have to follow strict rules. They must call or write only between 8 a.m. and 9 p.m., and cannot use threats or intimidation to collect.

If you are bothered by the number of calls or the way Aldous & Associates is acting regarding your debt, you can send a written cease-and-desist request, after which the debt collectors are obligated to stop contacting you. Remember, though, that this will cease the calls, but it doesn’t make the debt go away. If you believe the debt is valid, then you will still have to deal with it, either through payment or dispute.

Alternatively you can choose to engage the services of a credit repair firm who will negotiate with the creditor for you. They might be able to get you a better payment plan, or even a full settlement of the debt. They’ll know all about the law and how to use the proper channels to file your dispute. There’s a good chance they can stop the debt collector from contacting you, and they’ll probably have success in getting Aldous & Associates taken off your credit report. That way, you won’t have to spend hours on the phone stressing about your debt, and you’ll greatly improve your chances of the debt being resolved to your satisfaction.

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What Common Credit Report Errors Should I Watch For?

Keeping your credit history clean is important if you want to borrow money, get a credit card, or get a good rate on a loan.  Perhaps the most frequent type of mistake on credit reports is that you’ve been “confused” with another person—perhaps a relative—and the other person’s credit history has ended up on your credit file or vice versa.

Other problems include duplicate listings on your credit report of the same debt (which can make your total debt appear higher than it is), incorrect personal identifying information (including misspelled names, wrong addresses, or Social Security numbers), and more.

Other types of errors can include incorrect status on your accounts, such as an account showing as delinquent when it’s actually current; or an open account when you’ve closed it; or an account belonging to someone else altogether. If you’ve been the victim of identity theft, you may have fraudulent accounts showing on your credit report. Regularly reviewing your credit report can help detect these sorts of problems early before they become serious issues.

Need Help? Let Credit Glory Assist in Removing Aldous & Associates From Your Credit Report

Know Your Rights When Dealing with Debt Collectors

Never forget that you, the consumer, have rights when it comes to dealing with Aldous & Associates, a debt collection agency. Debt collectors can be relentless in making demands and in trying to make you feel like you owe them something. But the reality is that you have rights. Debt collectors, such as Aldous & Associates, must abide by the rules of the FDCPA, which means that debt collectors cannot harass you, threaten you, or lie to you in order to collect a debt. If you think that Aldous & Associates has violated any of these rules, you have the right to make a complaint with the Consumer Financial Protection Bureau (CFPB) or contact an attorney for advice on your rights as a consumer.

Understanding Wage Garnishment and Legal Actions

If a debt is valid, Aldous & Associates might be able to garnish your wages, but only after obtaining a court judgment against you first and even if they could garnish your wages, federal law prohibits them from taking more than a certain amount. Typically, a debt collector can take only 25 percent of your disposable earnings or the amount by which your wages for a week exceed 30 times the federal minimum.

Seek Legal Help if Facing a Lawsuit

If a company like Aldous & Associates is threatening to sue or has already filed a lawsuit against you, you may want to contact an attorney or credit-repair professional. They can help you navigate the legal process and work to keep your income from being garnished more than necessary.

Let Credit Glory Handle the Stress of Debt Collection

The prospect of dealing with Aldous & Associates is daunting. That’s why we suggest that you let Credit Glory do the work for you. Their team of credit repair experts can dispute Aldous & Associates with the credit bureaus and get the negative items removed from your credit report. They can also work with your debt collectors to reduce or eliminate your debt. If you would like to take back control of your finances and put a stop to collections from ruining your credit, Credit Glory can help. Let them dedicate their time to cleaning up your credit report and helping you remove Aldous & Associates, forever.