Is ARstrat calling you about unpaid medical bills? If so, they’re also bringing down your credit score.
Confronting a debt collector can seem like a daunting task, but getting a collections entry off your credit report is actually quite simple.
If you’re wondering how to proceed to stop ARstrat’s phone calls and improve your credit score, we can help.
What Is ARstrat?
Though their collections attempt might border on spammy, ARstrat LLC is an established and legitimate debt collections agency.
ARstrat has been collecting on consumers’ debts since 2015, headquartered in Houston.
ARstrat’s mailing address is as follows:
14141 Southwest Freeway, Suite 300
Sugarland, TX 77478
ARstrat specializes in healthcare debt, collecting on debts from some of the following types of providers nationwide:
- Academic healthcare facilities
How Does ARstrat Work?
So how exactly do debt collectors operate?
After several unsuccessful attempts at collecting payments, companies employ the services of debt collection agencies.
Agencies like ARstrat usually get access to you and your debts in one of two ways.
- They are employed by service providers/lenders to help collect on debts, earning a fee when you make a payment
- They purchase the debt from your original creditor, or in this case healthcare provider, at a discounted rate and net all of the profits when you make a payment.
Once your debt is in the hands of a debt collector, it will be reported to the credit bureaus, resulting in a “collections entry” on your report.
This type of entry could drop your score, especially if you have multiple debts in collections.
A collections entry stays on your credit report a total of 7 years, whether you pay off what you owe or not.
Fortunately, there are a few strategies that are sure to get ARstrat out of your life and off your credit report.
3 Ways to Remove ARstrat from Your Credit Report
Equipped with the tips below, you should be able to get the collections account deleted from your credit report with ease.
Try one of the following methods today:
1. Ask ARstrat to Show You Proof
Before you even think about paying ARstrat, you should ask to see some evidence of the debt they’re seeking payment for.
According to the Fair Debt Collection Practices Act, the agency has to show you documentation that confirms a debt before they can collect on it.
All you have to do is mail them a debt validation letter within 30 days of being contacted.
As a third-party collector, ARstrat might not have sufficient evidence to validate the debt, in which case they’ll have to cease their collection attempts.
Whether you do owe money to ARstrat or you’ve accidentally ended up on ARstrat’s list, it can’t hurt to send in a debt validation letter as long as you haven’t missed the deadline.
It could get ARstrat off your credit score for free.
2. Negotiate a Settlement in Writing
Miss the 30-day limit for mailing in a debt validation letter? The next best method for getting ARstrat off your report is negotiating a “pay-for-delete agreement.”
Here’s the deal: If you pay ARstrat as requested and do nothing else, their phone calls and letters will stop but they’ll stay on your credit report.
That’s why it’s imperative to get them to agree to report your payment to the credit bureaus and get their collections entry removed.
The best part of brokering this type of agreement is that you might be able to negotiate the amount you have to pay ARstrat.
You may want to start your negotiations with the creditor at around half of the full amount of your debt.
Just be sure to mail in your request and get ARstat’s response in writing rather than negotiating on the phone to ensure that the agency follows through on their part of the deal.
Once you’ve paid ARstrat the agreed-upon amount, your credit report should be collections entry-free within a month’s time. If it’s not, get back in touch with the agency to remind them.
3. Get Help from a Credit Repair Company
Working through medical debt can be overwhelming. Whether you simply forgot to pay a bill after a doctor’s appointment or you’re drowning in hospital bills, you don’t have to go it alone.
A credit repair company can help you to rebuild your credit score, going to bat for you with healthcare providers and the collections agencies they employ.
They’ll dispute claims, negotiate pay-for-delete agreements, and do what it takes to get collections entries deleted swiftly.
They also provide a range of other services related to credit repair, no matter how complex your situation is.
If you’d rather leave dealing with ARstrat to the pros, these companies offer affordable customized assistance and can garner quick results.
Regardless of whether you choose to repair your credit on your own or need a little help from the pros, read up on the FDCPA, take advantage of the rights it provides you, and take the first step in getting your score where it needs to be today.
Dealing with ARstrat
Debt collection agencies are the subject of many complaints, which you can see by exploring the agency’s Better Business Bureau profile or checking out the Consumer Financial Protection Bureau.
Common complaints waged against debt collectors include:
- Inconsistent or inaccurate reporting
- Aggressive/invasive collections attempts
- Failing to follow up on debt validation requests
The Fair Debt Collection Practices Act is key to your dealings with a debt collector like ARstrat.
Along with several other criteria, it limits when debt collectors are allowed to call you and prevents them from disclosing the details of your debt to anyone but you.
It also requires them to authenticate any debts they attempt to collect on.
The law also puts the ball in your court, allowing you to put an end to ARstrat’s calls by opting to receive all correspondence in the mail.
This is sound advice as it gives you plenty of documentation should there be any hiccups getting the entry removed.
Take help of bettercreditblog to improve your credit score and related issues.
How Do Credit Repair Companies Work? The Top Services To Improve Your Credit Score Fast – CreditFixed – Online Free Press release news distribution
Davenport, United States, 06/11/2021 / CreditFixed /
In recent years, many Americans have been struggling with their credit. As a result, there has been an increase in people looking for help to correct errors on their poor credit reports and get back on track. With so many credit reporting companies out there promising quick fixes and miracles, it can be challenging to figure out which one is the best credit repair company for you. That’s where CreditFixed comes in.
CreditFixed is an independent consumer financial protection bureau established with the mission to provide their readers with well-researched and informative articles about credit repair. They have tested many credit repair companies that offer real solutions and results to help you make the best decision for your financial future.
selected the best credit repair services for their most significant pros and cons, fair credit reporting act, main complaints from past customers, credit repair packages and pricing offered by each company they review, as well as creditor interventions.
7 Best Credit Repair Companies Recommended By Creditfixed.Com:
With a success rate of 56 million items removed and 500,000+ users since 2004, Lexington Law is still the industry’s leading credit bureau with the highest download on App Store. Their credit repair process is done by experienced lawyers who want to help you rebuild your report. However, there are no guarantees of success.
Credit Saint offers free credit evaluations with a 90-day money-back guarantee. They are missing a mobile app for credit monitoring. Still, they have the highest rating from Better Business Bureau as a proof of a legitimate credit repair company and provide transparent information about how many challenges their member has faced.
Sky Blue Credit Repair
Sky Blue Credit offers free credit counseling and a 90-day money-back guarantee, winning the heart of their clients as one of the most legitimate credit repair companies. They have been in the business since 1989, and it offers a $79 monthly fee for 15 disputes.
Credit Repair provides free consultation through their attractive website and easy-to-navigate mobile app that has FICO score tracker. This credit repair service uses personal finance tools and credit repair software such as InquiryManager. The primary drawback is that their credit repair packages come with an initial upfront cost, and there’s no guarantee of success.
The Credit Pros
Founded by Jason Kaplan, this credit repair agency partners with FICO-certified experts for tailored and personalized services and identity theft protection. They offer a free credit consultation but sadly do not offer any guarantees.
The Credit People
Unlike most credit repair companies, this credit repair organization offers $79 one-package offer with unlimited disputes and a guaranteed result in 60 days.
Ovation Credit Services
Slightly different than the other credit repair services, Ovation Credit offers one-on-one assistance from a personal case advisor with fast track service.
Is Credit Repair Companies Worth It?
There is no credit repair company without its pros and cons, so it is essential to know what you’re looking for before deciding to use one of the platforms. The most popular benefits about hiring these services include:
– A higher FICO Score
– Higher chances of approval when seeking loans or mortgages in the future
The drawbacks associated with credit repair agencies may vary depending on what your goals are, as they can be costly if not watched closely. This comes down to how much risk someone is willing to take on by opening up new accounts at high rates while repairing their credit scores.
CreditFixed is run by Gerald Dunigan, a 13-year experienced finance consultant specializing in the credit repair industry. Their mission is to provide well-researched articles to help users find the best options to fix their bad credit reports and avoid credit repair scams. Check on more information on their website, https://creditfixed.com.
Release ID: 16225
DISCLAIMER of Liability. IN NO EVENT SHALL OUR PR COMPANY BE LIABLE OR RESPONSIBLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, LOST PROFITS OR LOST OPPORTUNITIES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE AND REGARDLESS OF THE CAUSE OF ACTION UPON WHICH ANY SUCH CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH ANY OF THE CONTENT, INCLUDING, WITHOUT LIMITATION, AUDIO, PHOTOGRAPHS, AND VIDEOS, OR OF THE ACCURACY, RELIABILITY, OR LEGALITY OF ANY STATEMENT MADE IN OR OMITTED FROM ANY advertisement, sponsorship, endorsement, testimonial, opinion, or other product-related or service-related statement or review appearing in the Websites or in ANY post or article distributed via the Websites.
6 Things to Consider Before Hiring a Credit Monitoring Company
(MENAFN – Outreachxpert Ltd)
Hiring a credit monitoring company to track your credit score is an ideal strategy in debt management, as it enables you to be up to speed with your FICO credit scores. Most importantly, in case of identity theft, you also protect yourself from any possible credit fraud.
A credit monitoring company can dispute a credit report on your behalf and notify your credit company about fraudulent transactions that you may not be aware of. If this is recorded on time, your credit score can be repaired and restored on time to give you back control over your finances.
As you identify a credit monitoring company to work with, below are important factors to consider: –
1. Reliability and Timeliness
A credit monitoring platform should alert you in real-time whenever there is any change in your credit report. According to NBC News, 60% of complaints on credit bureaus are about erroneous entries on credit reports captured during the credit pre-approval processing. The complaints result in delays in approvals, costly follow-ups, and sometimes credit declinature.
To avoid such inconveniences, you should only consider credit monitoring platforms that track your credit score in real-time and alert you of any changes within a few minutes.
Pricing is vital since you should only sign up for a credit monitoring service that you can afford. Most platforms offer different plans covering select services such as credit card reports, dark web surveillance, information breach notifications, social media insights, identity theft insurance, and more.
The vital consideration is to ensure that the service that you opt for covers your areas of vulnerability. For instance, if you are an Instagram fashion influencer, you should consider a credit monitoring service that tracts identity and credit card theft on the social media platform.
Pricing largely determines the benefits available, but there are hundreds of free options to consider if you cannot afford the monthly subscription fee. However, free services only offer basic alert services, and there is no guarantee whether the notification is done in real-time.
If terms and conditions are friendly and the warranty terms are friendly, you should consider the credit monitoring service after careful consideration. For instance, one of the best platforms reimburses you up to $1m when you lose funds following identity theft. On the other hand, other applications can offer identity restoration services in their packages, which is ideal, especially if you have a busy schedule and don’t have spare time to follow up with specialists after identity theft or credit fraud. Furthermore, some applications offer credit repair services to help you improve your FICO credit score after a breach.
The options are unlimited, but the strategy of getting the best credit monitoring services is to identify your vulnerabilities first before finding a service with optimal benefits.
4. Ease of Getting Credit Reports
The Federal Law compels the three credit agencies to give credit reports for free once a year. But the intervals are far apart, and you cannot rely on them if you want to track your credit score. When signing up for credit monitoring, one of your considerations is the frequency of getting the credit report, whether monthly, quarterly, annually or twice a year.
Most importantly, you should generate your credit report from the platform with ease whenever needed.
5. Terms and Conditions
Data protection conditions should be central for any credit monitoring site, given the sensitivity of financial and personal information. Hence, you should read the terms of the agreement, and there should be a declaration where it states that your data shall not be shared with another party without your consent.
While state data protection laws are consumer-centric, you should always take your time before checking the box for agreeing to the terms and conditions.
6. Ensure That the Company Is Licensed, Bonded, and Insured
A licensed credit monitoring company is accredited and allowed to transact the class of business at the federal and local levels. This is the first sign that the service offered is legitimate. Secondly, you should only consider companies that are insured. When a company is indemnified, you can recover your fiscal loss following a breach of professional duty. On the other hand, Bonded is an assurance that you may be compensated once the credit management company fails to perform a specific duty within the promised time. For example, alerting you in real-time about a suspicious transaction fails to perform a particular duty as per the sales contract.
Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.
2021 Juneteenth events and celebrations in metro Detroit
Juneteenth, also known as Freedom Day, is an annual holiday to celebrate equal rights and freedom of slaves in the United States. On June 19, 1865, federal troops freed the remaining slaves in Texas, enforcing the Emancipation Proclamation, a full 2½ years after its signing.
Celebrations and events will be held in southeast Michigan, and include supporting and shopping at Black-owned businesses, award ceremonies, music, films, food and live entertainment to acknowledge what’s considered the longest-running African American holiday.
Here is a list of upcoming events to acknowledge and celebrate the holiday. Email [email protected] to add your event to the Free Press list.
June 4-30: Juneteenth Film Festival: The film festival will run during the month of June with different films showing each week that honors Black actors and actresses, writers, directors and filmmakers as well as showcasing films that present compelling moral stories and educate on racism and black history. Tickets are $5 with all net ticket proceeds going to the UNCF. Emagine Royal Oak, 200 N. Main, Royal Oak. Week of 6/4/21: Harriet (R), Ma Rainey’s Black Bottom (R), Moonlight (R); week of 6/11/21: Judas and the Black Messiah (R), One Night in Miami (R), If Beale Street Could Talk (R); week of 6/18/21: Spiderman: Into the Spider-Verse (PG), Get Out (R), Ray (PG-13); week of 6/25/2:1 MLK/FBI (PG), Whose Streets? (R), Just Mercy (PG-13).
2 p.m. June 13-19: 2021 WSU Juneteenth Opening Celebration: Wayne State University will celebrate with events and activities taking place across campus and in the city of Detroit.
June 17-19: Juneteenth Jubilee Freedom Weekend: The Charles H. Wright Museum of African American History will celebrate online, with some in-person elements. The celebration kicks off June 17 with “Juneteenth: Lift Every Voice,” a film documenting the anthem “Lift Every Voice and Sing,” through the eyes of historic museums and anthropologists from across the U.S. It’s on the museum website at thewright.org.
7-10 p.m. June 18: Movie Night in the D Juneteenth Jubilee: Watch the film “Concrete Cowboys,” starring Idris Elba and Caleb McLaughlin at Campus Martius Park. Presented by Chase Bank’s Advancing Black Pathways initiative in collaboration with the Charles H. Wright Museum and Detroit Downtown Partnership. Free.
8 a.m.-8 p.m. June 19: Juneteenth Family Reunion: There will be food, Black vendors, live music, entertainment, free giveaways and more. Catalpa Oaks County Park in Southfield. Free.
8 a.m.-dusk June 19: 45th Annual Walled Lake Beach Party/Market Day/unveiling of the renovated Underground Railroad House/Fireworks. Events will include an art fair with more than 50 local artists, live entertainment, food, former Detroit Red Wings Darren McCarty and Joe Kocur and former Detroit Lion Calvin Johnson signing autographs, tours through the restored Underground Railroad House and a fireworks display at dusk at East Lake Drive and Mercer Beach.
9 a.m.-2 p.m. June 19: Juneteenth Mobility Stroll & Roll: The Dearborn route will begin at Michigan and Schaefer and end at Dearborn City Hall Park. Several stops are planned along the route. The event will include activities geared toward all ages, including a Kids Zone and a Mobility Zone. The program begins with dignitary speakers, music and a stretching session from 9-10 a.m. on the steps of City Hall Artspace and the Stroll & Roll starts at 10 a.m. Vendors and voting stations will be along the route. Free, but people are asked to register here.
10 a.m.-1 p.m. June 19: Juneteenth Celebration – Give Back Edition: The event will offer steps and resources to move the community forward. The following will be on a first come, first serve bases: HIV testing, hygiene kits, self-care kits, food boxes, diapers, formula and more. Resources will include credit repair, mental health, life insurance and more. 16065 Hamilton, Highland Park. Contact [email protected] or [email protected] with questions.
12-6 p.m. June 19: Juneteenth Jubilee Stroll on the Historic Avenue of Fashion: There will be more than 40 Black-owned businesses providing discounts, giveaways, entertainment, raffles, a live podcast, a wellness hub with free resources and more. The celebration kicks off at 11 a.m. with a street dedication to Marvin Gaye and then transitions to Livernois Avenue for more festivities. Check-in at Best Artist Management, 19954 Livernois, Detroit to pick up a map of participating businesses, swag bags and event materials. General stroll tickets are free with registration; VIP stroll ticket are $15 in advance.
12-5 p.m. June 19: Juneteenth Celebration Madison Heights 2021: There will be live entertainment, food trucks, vendor booths, Juneteenth flag raising, educational exhibits, children’s activities and more. Civic Center Park, 360 W 13 Mile, Madison Heights. Free.
12-10:30 p.m. June 19: Juneteenth In The D: A day of festival fun that includes food, play, listening, envisioning and learning in the area near Dabls Dabls MBAD African Bead Museum, 6559 Grand River in Detroit.
12-8 p.m. June 19:Juneteenth In Detroit Family Day: This 11th annual event will have food, music, games, challenges, keynote speakers, Fathers Day tug of war, Mr./Ms. Juneteenth and more. Maheras Gentry Park, 12550 Avondale, Detroit. Free.
1:45-6 p.m. June 19: Detroit Black Wall Street Juneteenth Celebration: Shop with local vendors, special performances, food and more. DLoft Lounge, 21380 Coolidge Highway, Oak Park.
2-11 p.m. June 19: Juneteenth Freedom Day Celebration: Enjoy performances from The Game Changers Band, children’s activities, food, vendors and more. Pilgrim Village, 2550 Puritan, Detroit. Free.
3-7 p. June 19: Buy Black Juneteenth Pop Up Shop: Support local Black businesses in the Washtenaw County area. Ypsilanti Freighthouse, 100 Market Place, Ypsilanti. Free.
3-7 p.m. June 19: Juneteenth Celebration: This 2nd annual event will have games, Black-owned food trucks, vendors, speakers and more. Coleman TJ Community Center, 35351 Beverly, Romulus. Free.
4-8 p.m. June 19: Unity in the Community: a Juneteenth Celebration: A celebration of cultural diversity that will feature performers and entertainers, a panel of community leaders, food trucks and more. Municipal Park, behind Lathrup Village City Hall, 27400 Southfield, Lathrup Village.
4-10 p.m. June 19: Juneteenth Festival ’21: Celebrate Black art, culture, and more in mid-Michigan at REO Town Lansing, S. Washington (between Elm and South streets).
6-10 p.m. June 19: African American Leadership Awards Celebrates Juneteenth: Held at the Music Hall Center for the Performing Arts, 350 Madison, Detroit.
6-12 p.m. June 20:Juneteenth at Corner Ballpark: A celebration that includes live entertainment, dinner, performances and more. 1680 Michigan, Detroit. $25-$70.
Brendel Hightower is an assistant editor at the Detroit Free Press. Contact her at [email protected]
Read or Share this story: https://www.freep.com/story/news/local/michigan/2021/06/04/2021-juneteenth-events-and-celebrations-metro-detroit/7529785002/
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