If you’re trying to remove Avante USA from your credit report or wondering how to stop the harassing phone calls, you basically have three options:
- Send a debt validation letter to Avante – asking them to validate your debt; otherwise, remove it from the collections account from your credit report. It’s also the cheapest strategy.
- Negotiate a pay-for-delete agreement – negotiate and agree to set up a payment arrangement that’s less than the actual amount you owe.
- Hire a credit repair professionals to do it for you – can use experts and resources to try and negotiate for you, but it will cost you a fee.
Let’s walk through each of the options above and so you can decide on the best method for your specific situation.
3 Simple Ways To Remove Avante USA From Your Credit Report
When Avante USA or any other debt collector contacts you, you need to have a solid strategy for removing the collection from your credit report.
Here are the three different options you can try to get that Avante USA taken off your credit report:
1. Send Avante USA a Debt Validation Letter
According to the Fair Debt Collection Practices Act (FDCPA), debt collectors have to prove that you owe them money they claim you do.
But here is the thing.
They’re not the original service providers or creditors; therefore, they don’t always have the information at hand.
As soon as Avante USA begins communication with you, you’ve got 30 days to dispute the debt, and this is what you need to do.
Mail Avante USA a quick debt validation letter whether you truly owe money or you wound up on their radar accidentally.
In most cases, the agency doesn’t have the documentation it needs to pursue your payment further.
It means, if the agency cannot validate your debt, then the law requires them to remove the collection from your credit report.
2. Negotiate a Pay-for-delete Agreement
What if Avante USA validates your debt or you missed the dispute window?
It’s time to negotiate.
In most cases, debt collectors set up a payment agreement that is less than the actual amount you owe.
But before you pay off your debts, get the collection agency to agree to remove their negative entry from your credit report.
Also, make sure you put the agreement in writing to make it airtight.
After you and the debt collection agency agree on a price, your payment should quickly reflect your credit report.
Follow up with Avante if your collection entry still appears on your credit report after a month.
3. Hire credit repair professionals
Suppose you don’t feel confident about negotiating with debt collectors, lenders or filing paperwork with credit bureaus. In that case, you can hire a credit repair company to do all the work for you.
One of the credit repair companies we recommend is Credit Saint.
Credit repair companies are essential if you’re facing legal tassel from collectors or creditors. They can also be useful for helping you clear up small issues such as getting collection entries deleted.
Credit repair companies have experts trained to conform debt collectors, ensuring they don’t violate the FDCPA.
Most likely, they’ll end up following these very same steps, but they have the experience and resources that you likely lack – which works to your advantage.
However, there are no guarantees that you’ll remove Avante USA from your credit report. It will also cost you a fee of about $69-$99 per month.
But whatever, it takes don’t wait to get started on building your credit.
The strategies above can help you get Avante USA removed from your credit report easily.
Frequently Asked Questions
1. Who is Avante USA, anyway?
Avante USA is a debt collection agency and may appear on your credit report as a “collection account”.
The collection account usually appears on your credit report when you forget to pay a bill, and the record damages your credit score unless removed.
2. Is Avante USA legit?
Maybe you’re wondering…is Avante USA A Real Company, Or A Scam?
Avante USA, Ltd, Inc is a legit debt collection agency in the United States, headquartered in Houston, Texas.
Avante USA has been in business for close to 20 years, beginning its debt collection services in 2003.
Avante USA has four main collection divisions:
- Debt buyers servicing
- Commercial, Auto, credit card, retail collections and education
- Insurance follow-up and denial
- Health care billing and collections
3. How Does Avante USA Work?
Here’s the thing.
Service providers and creditors do not have the time to pursue late payments on accounts.
Therefore, they turn to debt collection agencies such as Avante USA to collect for them. Such agencies either buy the debts from providers or employed to collect debts.
Either way, debt collection agencies then assume the right to contact you in pursuit of payment and make a profit when you repay the debt.
Like any other collection agency, Avante USA uses various ways of communication, such as calling, writing, or leaving a voicemail.
Your debt appears on your credit report once it reaches collections, and that may be the loudest message you can receive from them.
A collection entry into your credit report can severely damage your payment history and affect your credit score for seven years even if you repay and settle the account.
4. Should I Negotiate A Pay Avante USA?
Unfortunately, settling your debt partly or in full does not help your credit score.
Once a collection account reflects on your credit report, it damages your score for seven years regardless of your payment.
Fortunately, there are options.
Credit Saint has successfully disputed collections from Avante USA and other debt collectors for thousands of people in the US.
Credit Saint has a 90-day money-back guarantee, an A+ rating from the BBB, transparent pricing, and fast customer service.
5. Can You Remove Avante USA Collection Accounts?
Credit Saint specializes in disputing Avante USA and other debt collection agencies.
They can help you negotiate the removal of Avante USA collection accounts from your credit report.
6. Will Avante USA Bring Sue Me Or Garnish My Wages?
No, not often.
But it can be a scary experience if they do. But you work with Credit Saint to challenge their debt ensuring, timeliness, accuracy, and validity of their reporting.
Working with professional like Credit Saint, you’ll never have to deal with debt collectors ever again.
Call them and learn how they can help help you avoid lawsuits or being sued while fixing your credit.
Other credit repair companies include:
- Lexington Law
- Sky Blue
- Ovation Credit Repair
- The Credit People
- Pyramid Credit Repair
- The Credit Pros, or
- Pinnacle Credit Repair.
7. Your Rights Under the FDCPA
In 1977, Congress passed the Fair Debt Collection Practices Act (FDCPA) to protect consumers from unethical debt collection practices.
The law made abusive and harassing tactics illegal.
- Use of profane or obscene language
- Refusing to prove that you owe a debt and they are authorized to collect it
- Ignoring an official request to cease communications
- Discussing the debt with anyone else except you, your attorney, and possibly your spouse
- Threatening to seize your property or garnish your wages
- Calling you at work when they know that your employer prohibits such calls
8. Does Avante USA do pay for delete?
You can negotiate a Pay-for-Delete Agreement if the debt is yours.
If Avante USA provides a fully competed debt verification letter and proves the best is yours and still outstanding, you can choose to pay it in full. Alternatively, negotiate a lower settlement amount in full satisfaction of the obligation.
9. Avante USA Complaints
According to Consumer Financial Protection Bureau (CFPB), Avante USA has nearly 183 complaints and nearly 55 with the Better Business Bureau (BBB).
Many complaints revolve around aggressive calls, inaccurate reporting or lack of response to debt verification requests.
Working with Credit Saint or Credit Glory professionals to challenge the negative accounts gives you a good chance to get them deleted.
Also, they can help you improve your credit score, allowing you to qualify for either a car, home and credit cards you may need.
10. How to deal with Avante USA
You need to read and understand the basics of the Fair Debt Collection Practices Act. The law keeps debt collection agencies and creditors from overstepping and ensures they don’t harass or threaten you.
For example, they cannot harass you at work or discuss your debt with other people – even your spouse as a way to intimidate you into repayment.
The law also requires them to respect and honour your wishes for how to communicate with you.
Always take advantage of this protection and only communicate with debt collectors in writing, specifically United States Certified Mail.
Communication through letters provides you with documentation of all conversations with the agency and can help remove Avante USA from your credit report.
11. How do I contact Avante USA?
Do you have a complaint, question, or comment about Avante USA?
Avante USA Contact Information is (832-476-1740) between 9 AM and 5 PM CST, Monday through Friday, to speak with one of their Consumer Service Representatives.
You can also email them at [email protected].
Remove Avante USA From Your Report, Today!
Do you want to start rebuilding your credit today?
In some cases, working with a credit repair professional to analyze your credit report is useful.
Doing it yourself can be stressful, a hassle and difficult to identify the reasons for your score drop.
Get a reliable credit repair company to increase your score by removing inaccurate, incomplete, unauthorized, unverifiable or fraudulent items from your credit report.
The Bottom Line
Now you have the basic information you need in dealing with Avante USA.
It’s time to decide if you want to deal with them directly or hire a professional to do the work for you.