AAFES Collections on Your Credit Report? Fight Back and Win

Being in debt can be a stressful situation, and it's made worse by collections agencies attempting to get you to pay. Unpaid debts and collections can lead to further money troubles as well as having a detrimental effect on your credit score. 

This article will provide an overview of AAFES Collections, what they do and how to remove them from your credit report. Our goal is to help reduce the financial anxiety of dealing with unpaid debts and collections by providing practical steps for handling the situation.

What Does AAFES Collections Do?

AAFES Collections - founded in Nebraska in 2008 - purchases debts from creditors and attempts to collect payment. They are often the second or third party hired by a creditor to obtain an unpaid balance. Debt collectors are responsible for conducting outreach with debtors via phone calls, emails, letters, and in some cases legal action.

Their goal is to secure payment on either an installment plan or one-time lump sum payment towards a delinquent account. The objective of debt collection is ultimately to settle financial disputes between debtor and creditor, but sometimes the process can create stress for the consumers being contacted about the debts.

Is AAFES Collections a Legit Company?

Yes, AAFES is a legitimate company - they are licensed to collect debts in the state of Nebraska. Their contact and business information can be found below:

• Phone Number: (402) 291-9100
• Address: 106 Meyer Ave Bldg 166 Offutt Afb, NE 68113-2000
• BBB Rating: 1/5 

With a single star rating on the Better Business Bureau, hundreds of documented complaints from both the BBB and Consumer Financial Protection Bureau, and reports of threats and coercive tactics, it’s best for those contacted by AAFES Collections to avoid engaging with them until they understand their rights fully or have enlisted the help of an attorney.

Those who are unfamiliar with their rights as consumers may be vulnerable to harassment or overreaching demands when dealing with this company.

What Can I Do If I’m Being Harassed by AAFES Collections?

Understanding your rights when AWA Collections reaches out to you about a debt is essential - luckily,  federal law has established guidelines to protect your rights. It forbids third party collectors from using false or misleading statements in order to collect a debt, as well as any type of harassment or abuse during communication regarding the debt.

Knowing these regulations will empower you to be prepared and handle the situation with confidence, so that you can reach an amicable resolution without feeling taken advantage of. The following behaviors are illegal under federal law:

• Debt collectors cannot harass, oppress, or abuse consumers in their communication efforts.
• Misrepresentation or deceitful tactics, such as posing as a government agent or attorney, are forbidden.
• Threatening arrest or legal action without actual intention or legal authority is not allowed.
• Debt collectors must not contact the consumer at inconvenient times, such as before 8 AM, or after 9 PM, unless permitted by the consumer.
• Disclosing or discussing the debt with third parties, like family members or employers, without consumer consent is prohibited.
• Continual contact after receiving a written request to cease communication is a violation of the FDCPA.
• Attempts to collect unauthorized fees, interest, or charges beyond the amount specified in the original debt agreement are unlawful.
• Debt collectors must provide a written validation notice, detailing the debtor's rights, within five days of initial contact with the consumer.

If a debt collector has violated your rights, pursuing a lawsuit is an important step to take. To ensure the best result in court, collect documentation of any illegal activities and seek legal advice from an attorney with expertise in consumer law who can provide guidance.

Laws are in place to protect consumers from harassment, unauthorized communication tactics, threats, and other misconduct for good reason – and doing your part to defend those laws is important.

How Can I Get AAFES Collections Removed from My Credit Report? 

Disputing a collections account on your credit report is an essential step in the process of cleaning up your credit history and maintaining a healthy score. When a company like AAFES Collections reports you for non-payment or late payments, it can lead to an adverse impact on your credit standing.

Besides being listed as a derogatory mark, it can also lower your credit score, hampering your ability to get loans, credit cards, and other financial services. It is crucial to take appropriate action and dispute the account if you believe that the listing is incorrect, unfair, or an error. When doing so, make sure to follow these steps:

• Obtain a copy of your credit report: You are entitled to a free annual credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion. Obtaining this report can help you identify inaccuracies and get well-versed with the current status of your credit account.
• Verify the legitimacy of the debt: Carefully review the details of the collections account on your credit report, checking both the amount and date of the debt. This helps ensure that you are disputing a genuine error or inaccuracy and not a legitimate debt listing.
• Ascertain that the collections account is not time-barred: Collection accounts generally remain on your credit report for seven years from the date of the first delinquency. Confirm that the collections account is not outdated and beyond the purview of credit reporting agencies.
• Collect relevant documents and evidence to support your dispute: Gather all billing statements, emails, and other correspondence related to the account. Having this paperwork organized can bolster your dispute process by substantiating your claim.

Once you have all the necessary documents in place, contact the credit bureaus directly to initiate the dispute process. Keep in mind that each credit bureau has its procedure and that an error in one bureau's report may not necessarily appear on reports from the other two bureaus.

Contact Us For Your Free Case Review

If you're feeling overwhelmed by debt collection calls, you don't have to face it alone. Financial hardship can be extremely stressful, but our team of consumer law attorneys at Fair Credit are here to take the burden off your shoulders.

We offer free case reviews to understand your unique financial situation. Don't wait - connect with us today.