What Is Ad Astra Recovery Services On My Credit Report?
Ad Astra Recovery Services is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Ad Astra Recovery Services A Debt Collection Agency?
Yes, Ad Astra Recovery Services is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Ad Astra Recovery Services may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Ad Astra Recovery Services Collect For?
Ad Astra Recovery Services purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Ad Astra Recovery Services Hurt My Credit Score?
Yes, it is highly likely having Ad Astra Recovery Services on your credit report is damaging your score significantly.
How Does Ad Astra Recovery Services Affect Your Credit Score?
A collection account with Ad Astra Recovery Services can have a lasting negative effect on your credit score, since it will stay on your report for 7 years. Even if the debt is paid off, the collection account will still appear on your credit report.
One way to reduce the impact of this type of debt is to negotiate a pay-for-delete agreement. This means that you offer to pay off the debt in full in exchange for having the collection account removed from your credit report. Not all collectors will agree to these terms, but it's worth attempting to negotiate one as it could help improve your credit score.
How To Deal With Ad Astra Recovery Services Calls and Letters
If you're being contacted by Ad Astra Recovery Services, the first step is to verify that the debt is indeed yours. Request a debt validation letter from Ad Astra Recovery Services to confirm the amount owed and the date of the debt.
Once you've confirmed that you do indeed owe this debt, consider negotiating a payment plan or settlement. Make sure to get any agreements in writing so you can keep records. Additionally, if Ad Astra Recovery Services is harassing you with multiple phone calls or letters, you have the right under the Fair Debt Collection Practices Act (FDCPA) to request that they stop contacting you - with some exceptions.
If you're dealing with debt or collections accounts and need help, Credit Sage's credit repair specialists are here to assist. They can help dispute inaccurate information on your credit report, negotiate with debt collectors, and provide guidance for improving your credit score.
How Do I Remove Ad Astra Recovery Services From My Credit Report?
To be eligible to remove Ad Astra Recovery Services from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Ad Astra Recovery Services?
Paying off Ad Astra Recovery Services to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Ad Astra Recovery Services?
Settling your debt with Ad Astra Recovery Services could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Ad Astra Recovery Services Legit, Fake Or A Scam?
Ad Astra Recovery Services is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Ad Astra Recovery Services Keep Calling Me?
Ad Astra Recovery Services continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Ad Astra Recovery Services To Stop Calling Me?
As we’ve mentioned above, Ad Astra Recovery Services will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Ad Astra Recovery Services Reviews And Complaints
Ad Astra Recovery Services has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Ad Astra Recovery Services Try Suing Or Garnishing My Wages?
Ad Astra Recovery Services suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Ad Astra Recovery Services Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Ad Astra Recovery Services does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Ad Astra Recovery Services?
You have the right to dispute any of your debt that Ad Astra Recovery Services has purchased. Ad Astra Recovery Services is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Ad Astra Recovery Services Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Ad Astra Recovery Services. The reason? You may not want to pay Ad Astra Recovery Services debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Ad Astra Recovery Services Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.