I started getting phone calls from Arizona last week. I couldn't figure out exactly where they were coming from. They would call and not leave messages. When I called the number back, I found out it was allied interstate. I printed off my husband's credit report today from Equifax, and guess what I found? They reviewed my husband's credit profile the day before they started calling my house! I don't know who these people are, or why they're calling. I have no written notice from them. Thanks to lots of surfing on this forum today, I have a game plan for the next time they call back (demand written proof of debt, etc.). What I want to know right now is- how can they access my husband's credit report under the guise of being a creditor when they're not, and they have NO written permission from him whatsoever?

[roxette]

Hi Lucy

A collection agency can put inquiries in your credit file only on genuine reasons if they are holding your debt.

Ask them to validate the debt where they need to give you the complete details of the account. If they are unable to validate the debt, they should stop contacting you and remove any negative remark, if put in your credit file.

Do all your correspondence certified with return receipt requested. This will help you to track down all the correspondence made and you will have legal proof of it.

Regards
Roxette

But they have all the details from the credit report. Should they be supplying us with copies of paperwork from the original creditors?

[roxette]

When they will validate your debt, they will cover the following points.

• The details of the account.
  
• All the calculation should be shown of the amount that is owed.
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
• Provide a verification or copy of any judgment if applicable
  
• The original creditor needs to be identified.
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

If any of these items is not shown in the debt validation request, you can file a dispute to it.

Regards
Roxette

[ben]

Lucy

Allied Interstate might have run through your credit report to see if you have any account due with your creditors. The credit card providers or the banks often view the credit file to see if a pre-approved credit card, or a loan, or mortgage can be offered. In the same way, Allied did similar activity to seek collection towards your account.

It is serious issue if an agency reports negative information in your credit file without legitimate cause. If allied has put inquiry in your credit file and they are unable to validate the debt, you will lose some scores for it.

Take active steps if you don't hear from them and get all the negative information removed from your credit file.

I live in Arizona, do you have any address of allied interstate so that I can contact them. Thanks

[roxette]

In Arizona, they are located at the following address:

allied interstate, Inc. , 55 North Arizona Place, Ste. 505 Chandler AZ 85225- , (480) 722-7810

Besides, other physical addresses of this company are as follows:

Allied Interstate, Inc. , 12655 N. Central Expressway Dallas TX 75243- , (800) 447-2934

Allied Interstate, Inc. , 3000 Corporate Exchange Drive Columbus OH 43231- , (614) 901-7988

Allied Interstate, Inc. , 340 Interstate Parkway Atlanta GA 30339- , (800) 447-2934

Allied Interstate, Inc. , 435 Ford Rd., 800 Interchange West Minneapolis MN 55426- , (800) 447-2934

Allied Interstate, Inc. , 31229 Cedar Valley Dr. Westlake Village CA 91362- , (800) 447-2934

Allied Interstate, Inc. , 14550 Torrey Chase, Ste. 550 Houston TX 77014- , (800) 256-0651

Allied Interstate, Inc. , 3200 Northline Ave., Suite 160 Greensboro NC 27408- , (800) 447-2934

Allied Interstate, Inc. , 15 Hazelwood Drive, #102 Amherst NY 14228- , (716) 691-1320

Allied Interstate, Inc. , 3111 South Dixie Highway, Suite #101B West Palm Beach FL 33405- , (561) 671-2121

Do I have to pick up the phone the next time they call, or can I draw first blood? And by that, I mean send them a letter telling them that I know they rooted thru my husband's credit report and that they've been trying to contact us. That way, I could then ask them for validation of the alleged debt.

[roxette]

In your debt validation request, you mention that until the debt is validated, you refuse to be contacted at your place of work and home and all correspondence should be done through mail only.

Once they received your letter, they are required to stop calling you otherwise it will result violation of the fdcpa law. You will be in charge of taking legal actions against them.

Your main intention to contact the debt collector is for two reasons:

1. Get the complete picture of your accounts through debt validation
2. Stop calling you at home or work and all correspondence should be done through mail.

Your letter should be sent through certified mail with return receipt requested. This will help you to ensure that your letter is received by them and you have made the efforts to know the details of your accounts when required. You will have sufficient proof to lay your side of the story.

Oh, wonderful! I'll get started on this right away, and let you guys know how it goes. Thank you so much!!

last night my boyfriend received a call from this agency telling him he owed $2000 for a bill in 1990 but they would settle today for $800 he told them he was in Mexico at that time and then they put on a spanish speaking rep who told him he was hard to track down and he stated "what are you talking about I file my income tax every year" When I got on the phone I asked them what this was regarding and immediately he asked if the social security number was bought because obviously my boyfriend is mexican

[ben]

Nadine

The company has to send you a debt validation letter before making any collection efforts. Then, you can dispute it as the SOL period has well expired.

Can someone provide me with addresses for Allied in Washington state.

[roxette]

Hi birdie

I think you should contact the credit bureau and get the address of allied interstate in Washington. They have a huge database of all the creditors and the collection agencies operating in US.

Hope this you a little.

Regards
Roxette

if the dept on report is valid and i want o pay them off how can i make sure they will take them out of my credit report.
thanks

[ben]

Elijah

You should have a written agreement with the company that they will update your account with the bureaus after the payments are complete. Besides, any agency is not allowed to keep negative information in the credit file without legitimate reasons. If it's done, you will show this written agreement as proof and force them to update your file. Keep everything documented and send your letter certified with return receipt requested.