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If Avante USA calls you or you discovered them on your credit report, act fast. They are a collection agency claiming you owe them money, and if they are on your credit report, it is likely dragging your credit score down fast.
What Is Avante USA?
Avante USA is a debt collection agency. They buy ‘old debts’ from creditors when borrowers default. They are located in Texas and have been in business for the last 20 years. They are a legitimate debt collection company, but that doesn’t mean you want to find them on your credit report.
Why Is Avante USA On My Credit Report?
Avante USA buys debts from creditors for pennies on the dollar. Creditors sell debts when they feel they can’t collect on them any longer – usually after 90 – 180 days of no payment or contact with you.
Avante buys the debt hoping to collect the full amount you owe. They collect on a variety of debts, including:
- Credit card debt
- Automobile debt
- Retail debt
- Healthcare bills
It’s important to know how to remove Avante USA from your credit report. Collections sit on your credit report for 7 years and have the largest impact on your credit score during the first couple of years.
Even after those first few years, though, future creditors see the unpaid collection and may not lend to you. Knowing how to remove Avante USA from your credit report is important.
How to Remove Avante USA from Your Credit Report (Step-by-Step)
I didn’t say it was easy to get Avante USA off your credit report, but with the steps below, it’s possible.
#1. Hire a Credit Repair Company
If you don’t want to deal with the hassle of dealing with Avante USA yourself, hire a reputable credit repair company. While they can’t do anything you can’t do, it’s reassuring to know a professional is handling your case.
Do your research and only use reputable credit repair companies – there are plenty of snakes out there, but with the right help, you can get Avante USA off your credit report quickly.
#2. Request Avante USA Debt Validation
You may request debt validation, but you must act fast. By law, you have 30 days from the first date of contact, either via phone or written letter.
When you request debt validation, you’re asking Avante USA to prove you owe them money they’re suggesting you owe. Request debt validation in writing and ask these questions:
- Name on the account
- Original creditor
- Original balance
- Last payment date
- Proof Avante USA may do business in your state
According to the Fair Debt Collections Practices Act, if they can’t validate the debt, they must remove it from your credit report.
#3. File a Formal Dispute
If you missed your chance to validate the debt, you have another option – dispute the debt.
When you dispute the debt, you write to the credit bureau reporting the debt (TransUnion, Equifax, or Experian). Provide them with enough details that prove the collection is unfairly or incorrectly reported on your credit report and include proof.
The credit bureaus have 30 days to validate your request. If Avante USA can’t prove you’re wrong, the credit bureau must remove the debt from your credit report.
#4. Consider Negotiating a Pay-for-Delete
If you’ve tried everything else, you have one more option – a pay-for-delete request.
This step isn’t the end of the world because even if you get Avante USA to remove the collection from your credit report, you still owe the money.
If your above attempts were unsuccessful, negotiate a payment that you can afford, and include a pay-for-delete request which means if you satisfy the debt as agreed, Avante USA must remove the debt from your credit report.
Avante USA Complaints
Like any collection agency, Avante USA has a lot of complaints, which is typical. No one likes hearing from a collection agency, but Avante does have a lot of complaints from people claiming they never had a debt with Avante but that they were relentless in their collection efforts.
This is why using a credit repair company is often the best method to get collection agencies off your back. Many consumers are so frightened by the call that they just pay the debt before verifying that the debt is legit.
>>More:Best Credit Repair Companies
Frequently Asked Questions
Can Avante USA Sue Me?
Can Avante USA sue you? Absolutely. But it’s unlikely. It’s not worth finding out if they will sue you, though. Take the steps above to remove Avante USA from your credit report, so you don’t have to concern yourself with it.
Is Avante USA a Legit Company?
Yes, Avante USA is a legit company. They’ve been in business since 2003 and buy debts from some of the largest creditors out there today.
Can You Remove Avante USA Collection Accounts?
With enough legwork, you can remove Avante USA collection accounts from your credit report. If you’re up to the task, you can do it yourself, starting with debt validation, then disputing the debt, or negotiating a pay-for-delete.
If you don’t want the stress of handling the collection account yourself, hire a reputable credit repair agency to help you.
Bottom Line: How to Remove Avante USA from Your Credit Report
Don’t let Avante USA sit on your credit report. If you discover it, get help right away or start the validation process immediately. The longer it sits on your credit report, the more it hurts your credit score and your chances of securing future credit.