800-347-9623 / 8003479623

Do NOT pay collection accounts thinking it will help your credit - it won't. See below.Paying off a collection balance of $1,000 dropped a 630 FICO score to a 590Unfortunately this is an all too common occurrence as any of you withcollections have probably experienced. There’s a deficiency in the credit reporting system that shows recent activity on a collection account, if you were to make a payment. This recent activity makes the collection look younger and can result in a score drop. In my simulation the “recency” of the collection went from “greater than three years old” to less than 12 months. When you make a payment on a collection the collection agency will report the new balance to the credit reporting agencies. The “date reported” on the collection account will be the then current date, which can lead to the score drop.

Now this collection agency is calling and leaving messages pretending it is " to lower your credit card interest rate" or " you have qualified for a free home security system." I never called them back because I already KNOW that trick.This commonly known collection agency trick is that they call you and act as if they are offering you something, then they want you to call back and give them your information " to be removed" from the list, supposedly.You then confirm your personal information so you can be supposedly removed from their"list"WRONG.Then they bother you mercilessly if you give them your personal information. Don't give them anything and don't confirm anything. Do not call them back. Ignore the calls if you don't know the number.Trust me - *even if you are NOT the person they are trying to call*, they will still keep calling you and bothering you because they just want to bother someone. Take action against them by filing complaints.They robocall constantly, call and hang up leaving no message, or call and leave stupid messages saying they want to lower the interest rate on my credit card or give me a free home security system. Yeah, sure. Jerks.

Credit Adjustments, Inc. Caller is a bunch of worthless collectors who have a LOT of lawsuits filed against them for violating the fair debt collection practices act.Their business address is some old warehouse in Ohio, I checked. Not great.Don't talk to them at all. Block their calls. File a complaint against them. They are real bottom feeders and should be put out of business for violating laws over and over.Oh, and another plus - if you look up the guy who is their Vice President of Business Development, he is an auto mechanic who graduated from an auto mechanic school.These unqualified people are operating out of this warehouse garage and are harassing consumers. Stop them.

Called my and threatened my family, female caller, knew my Mom's name and our location, very scary

Called about daughters student loan from 15 years ago

I agree with Kate, lets all call him every time his company calls us! His home phone number is (419) 785-4100. If you would like to write to him, Michael Scott Osborne 1308 Heatherdowns Dr. Defiance, Ohio 43512.

Here is more info about the president of this company, lets all call him every time his company calls us! His home phone number is (419) 785-4100. If you would like to write to him, Michael Scott Osborne 1308 Heatherdowns Dr. Defiance, Ohio 43512.

Been 25 years and these smucks are still trying to collect on my student loan. Guess what. You won't get a [***] penny.

Got a call did not answer

Credit Adjustment Inc.