If you’ve defaulted on a credit card or medical debt, you may hear from ARS National Services. They are one of the largest debt collection agencies in the United States, collecting for companies when consumers default.
If you’re hearing from ARS National Services, it’s not a good thing. First, it means you defaulted on a debt. Second, it means ARS likely reported the collection to at least one credit bureau. It’s important to know how to remove ARS National Services from your credit report fast to decrease the damage it causes to your credit score.
Fortunately, it’s easy to do using these simple steps.
Act Within the First 30 Days to Validate the Debt
If you act fast (within 30 days of ARS calling or writing to you), you can ask for debt validation. This means you ask ARS directly for information about the debt. Ask as many questions as you can because if they can’t answer them, they must remove the debt from your credit report.
This doesn’t mean you may not owe the debt – you still might. But it means you don’t have to have the debt on your credit report ruining your credit score.
To validate the debt, send ARS a letter with any of these questions:
- What’s the full account number?
- Who is the creditor?
- What’s the name on the account?
- What was the original balance?
- When was the last payment made?
- What is the outstanding balance?
ARS has 30 days to respond to your request. If they don’t respond or they can’t answer your questions, they must remove the debt from your credit report.
Dispute the Debt
If you miss your chance to validate the debt, you can do the same thing by disputing it with the credit bureau. This time you can’t go straight to ARS National Services, so it may take longer to remove ARS National Services from your credit report this way, but it still works.
To dispute the debt, find out which credit bureau reported the debt. You can pull your free credit reports here and write to them.
In your dispute letter, state why you’re disputing the debt and provide as much proof as possible. By law, ARS can only report information that is accurate and fair. If anything they report isn’t accurate or fair, they must remove it from your credit report.
The credit bureau has 30 days to investigate your claim and get with ARS National Services to determine if the debt belongs on your credit report. If the credit bureau can’t prove anything other than what you stated, they must remove the debt from your credit report, but again, this doesn’t mean you don’t owe the debt.
Pay the Debt and Arrange a Pay for Delete
If you can’t get ARS National Services off your credit report using the methods above, consider a pay for delete arrangement.
This is simple. First, negotiate a settlement. Everyone may end up at this step eventually since removing ARS National Services from your credit report doesn’t remove the liability. ARS likely bought your debt for less than it’s worth, so don’t be afraid to negotiate a settlement. Start with a lower amount since they will likely counter your original offer.
If you could not remove ARS National Services from your credit report, also ask for a pay-for-delete. This means ARS will remove the debt from your credit report after you pay the settlement amount, even if it’s not the full amount.
Get the agreement in writing so you have proof of what they agreed to in case they don’t remove the debt from your credit report. Without the proof in writing, you can’t dispute the debt with the credit bureaus if they don’t remove it.
Don’t leave ARS National Services on your credit report. If you receive calls or letters from them, it’s important to pull your credit right away. If ARS is on your credit report, use the steps above to remove them from it.
Leaving a collection on your credit report can cause a serious decline in your credit score and make it difficult to get financing. You’ll already have the defaulted debt listed by the original creditor, you don’t need a collection on there too. Do what it takes to remove ARS National Services from your credit report as quickly as possible.