Allied Interstate Put Me Through The Ringer - Luckily, I Was Able To Bounce Back

Allied Interstate Inc is debt collection agency with its office in West Palm Beach, FL. As easy as it may seem to get credit cards approved, dealing with the circumstances on non-payment of the credit bills is equally tough. I realized this only after I had fallen in to the trap of debt collection agencies.

My name is Jessie and I had to get involved with debt collection agencies around two years back. That was when recession struck and I was suddenly without any job or earnings. As was expected my credit card company and the bank from where I had secured the loan for my new car began contacting me for payment of my dues.

But I had nothing to say to them other than ask for extension of the deadline. 1, 3 and then 6 months passed without the sign of any job or income. I was totally devastated by this time. The surprising thing was that the credit card company and my bank had stopped calling me by this time.

But very soon I got my new found peace shattered by a new development. Instead of having to bear with calls from the bank and the credit card company once every 15-25 days, I now started getting calls from 2/3 debt collection agencies at the rate of 7-10 calls per day, and many times late in to the night too.

That was not all. My parents lived quite far off from me. They were called up at odd hours and disturbed to a great extent. Despite having my contact details, the debt collection agencies decided to call up my parents and harass them too. My elder brother and his wife were both working and they too were not spared. They told me how they were repeatedly called up when at work and disturbed.

Well the debt collection agencies did not stop at all this. In addition to threatening to impose a lawsuit on me, they also insulted and terrorized me. And they were not ready to stop even at that. They went on to send in negative collection accounts against my credit account. They also made sure that my credit scores would be pulled down to as low levels as they could possibly manage to.

Credit scores can be lowered by several methods. If you have delayed your credit card bill payment, then that is an easy way to harm your credit reputation.

Again let me remind you that the duration of delay in paying up also matters. The blow to your credit scores gets worse as the delay in the payment of the dues gets longer. So if you have delayed for 15- 30 days your credit score will be better than the person who has delayed payment for 31-60 days.

Another easy way to pull someone’s credit scores down is by sending in enquiries about the credit reports.

This process is called as a credit check. Each enquiry or credit check can pull down the credit score by around 5 points and when it is done by debt collection agencies it will be considered as a hard enquiry and multiple enquiries in short time under several different names can prove to be hazardous for your already staggering credit scores.

This risk is more aggravated if your credit history is pretty low. This means that if you have started using the credit card for only a short time and credit checks are already being done on your credit account.

The debt collection agencies that were after me tried out all the techniques that they could, with an intention of tarnishing my credit image. Soon I learnt that my credit scores were just 530 and I had no credit or a job.

My brother warned me that it was high time to get professional help in sorting out my credit score problems. He also said that the low credit scores could have a much larger impact on my life than I had ever imagined. He mentioned how companies were doing background checks before hiring employess, and credit check was an inherent part of this background check.

I Needed a Solution… But I was worried about paying a huge fee for help.

That was all I needed to panic and rush to get a professional credit repair company. But before that I did try a bit of do it yourself credit repair on my own.

That was only because I was worried that the credit repair company would charge me an exorbitant fee to sort out my problem, and I was already lagging behind in the money department. But all the so called ‘free do it yourself credit repair knowledge’ proved useless and I was back to square one.

I then got in touch with a reputed credit repair company called as the Lexington Law Firm, that had a history of helping over half a million consumers like me.

Here is my letter from TransUnion informing my allied interstate had been removed from my credit report.

Here is my deletion letter - Allied Interstate was Removed thanks to the Lexington Law Firm Attorneys!

Satisfied customers are the proof of efficiency of any business and I did not think twice. My fears of being charged a ransom were all quickly put to rest. The Lexington Law Firm attorneys charged me a very reasonable amount for their services and they got all of the negative entries removed from my credit report within just 20 days.

Here are some more deletions thanks to Lexington Law!

More deletions thanks to Lexington law!

My happiness knew no bounds when I saw my credit scores zoom to 707. Soon after that I applied for a job and I am now enjoying my life again.

If you want to regain the lost happiness and peace of mind regarding credit repair issues, you need to contact the Lexington Law Firm today.

Call them at 1-800-251-3505 and allow the credit repair experts do their job of cleaning up your credit mess!

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