How to Remove ARstrat From Your Credit Report

Written by Justin EstesUpdated: 31st Mar 2022
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If ARstrat is calling you about medical or hospital bills, you are not alone. However, this is not the situation you want to be in.

ARstrat is a debt collector who has ownership over the debt you owe a medical provider. To make matters worse, they probably have the overdue debt listed as a collections account on your credit report.

Keep reading to find out how to remove ARstrat from your credit report. Let’s dive in.

What Is ARstrat?

As we alluded to earlier, ARstrat is a debt collection agency that is also known as ARstrat LLC. Headquartered in Houston, Texas, ARstrat is a legit debt collector that specializes in collection debts nationwide for various medical fields: Clinics, Hospitals, and Academic Healthcare Facilities.

Even though you are in an unfortunate position, our team has put together an action-packed article to help you navigate the nuances of dealing with ARstrat and cleaning up your credit report.

3 Ways to Remove ARstrat From Your Credit Report

When trying to remove ARstrat from your credit report, you can employ three strategies: (1) Seek Professional Help, (2) Request Debt Validation, (3) Ask for A Goodwill Adjustment, and (4) Negotiate a Pay-for-Delete.

#1. Seek Professional Help

The best thing you can do when trying to deal with ARstrat is to hire one of the best credit repair companies. They will take the matter into their own hands and will do nearly everything for you for a small fee.

A credit repair company knows your consumer rights. It will leverage this knowledge when interfacing with all three credit bureaus and ARstrat. They bring years of experience to the table and have removed thousands of negative items from credit reports.

We recommend Credit Saint. They are a clear leader in the credit repair industry and know how to deal with ARstrat. Above all, Credit Saint is affordable, trustworthy, and is powered by a team of credit experts.

>> More:Credit Saint Review

#2. Ask for Debt Validation

If you do not want to pay a credit repair company to do the dirty work for you, then your next course of action is to request debt validation.

According to the Fair Debt Collection Practices Act (FDCPA), you have 30-days after initial contact to request debt validation. Send ARstrat a debt validation letter. They have 30-days to respond to your validation request.

More than likely, ARstrat may not have sufficient proof that the debt is yours or that you owe money. If ARstrat cannot validate the debt, then legally they are required to remove the collections account from your credit report.

However, this strategy is time-sensitive, so double-check to make sure you are not outside the 30-day window.

#3. Ask for a Goodwill Adjustment

If you have a good payment history and strong rapport with the original debt holder, then you can ask for a goodwill deletion.

However, this is rarely granted because you are asking the debt collector to do you a favor. Nevertheless, it is still a legit way to remove ARstrat from your credit report.

To do this, send ARstrat a goodwill letter via certified mail and request a return receipt. This will ensure they received your letter and read your request. In your letter, state why you cannot make the payment or why you paid it late (be brutally honest). Politely ask them to remove the negative item from your credit report.

#4. Negotiate A Pay-for-Delete

If you have not paid ARstrat, then the last thing you can try to do is negotiate a pay-for-delete. Just like a goodwill letter or debt validation letter, send a letter via certified mail to ARstrat.

In your letter, state that you are willing to pay ARstrat the amount they are claiming, but in exchange, you want the collection account removed from your credit report.

Believe it or not, ARstrat most likely bought your debt for pennies on the dollar, so they are open to negotiating. If you pay more than what they purchased your debt for, then ARstrat will turn a profit. This is how most debt collectors operate.

How Does ARstrat Work?

Remember, ARstrat is a debt collection agency that specifies in collecting medical debt. ARstrat is a notoriously aggressive debt collector. This means they will bombard your phone with calls and will send you letters demanding you to pay them money.

There are two ways ARstrat got ownership or control over your debt. They were either employed by the medical provider to collect your debt on their behalf, or they bought your debt.

Unfortunately, companies sell debt all the time. If a company has tried to get you to pay but has had no success, then they will sell your debt to a debt collector.

Can ARstrat Sue Me?

If you do, in fact, owe ARstrat money, then they legally can bring forth civil litigation as long as it is not outside the statute of limitations. This varies amongst states, so double-check the laws of your state pertaining to debt statute of limitations.

If it is outside the “statute of limitations,” then they cannot sue you; however, this does not mean you can wipe your hands clean and move on with your life. You still need to remove the negative item from your credit report. It is hurting your credit score!

ARstrat LLC Mailing Address:

  • Mailing Address: 14141 Southwest Freeway, Suite 300, Sugarland, Texas, 77478

Bottom Line: How to Remove ARstrat From Your Credit Report

The best thing you can do moving forward is to seek professional help from a credit repair company. They will handle the situation safely and with speed. If you do not want to do this, then try requesting debt validation, sending a goodwill letter, or negotiating a pay-for-delete.

Whatever strategy you employ, make sure ARstrat is removed from your credit report. This needs to be your top priority if you want to save your credit score from freefall.

Justin Estes
Justin Estes

Justin Estes is a Senior Personal Finance Writer who is a recognized small business accountant, consultant, and credit card expert. His background in accounting and finance led to a passion for helping people make the most of their money and matching them with financial products that enhance their lifestyle. Justin attended Charleston Southern University where he double-majored in Finance and Accounting. Justin’s areas of expertise are credit cards, small business finance, accounting, and taxes.