If you have found Aargon Agency on your credit report, this means this company has acquired a past debt that they think belongs to you. Perhaps Aargon Agency has been contacting you by mail or phone calls. It’s time for you to take action. A collections account on your credit report will undoubtedly bring your score down and make it difficult for you to get credit moving forward.. Read on to learn how to delete Aargon Agency from your credit report in 2023. Let’s get started!
What Is Aargon Agency?
Aargon Agency is a debt collection company that started in New York. The company has headquarters in Las Vegas and Nevada, and call centers in Hawaii, Nevada and Florida. As a debt collection company they purchase outstanding debts from businesses,. Then they pursue the owners of the debts to recoup some of the money. They buy these debts for pennies on the dollar, then they make money when consumers decide to pay part (or all) of the debt. The past due money never really goes to the original creditor, but is kept by the collection agency.
Is Aargon Agency a Scam?
Aargon Agency is a legitimate debt collector That has been around since 1996. Aargon is registered with the Better Business Bureau, and have been since 2011. If Aargon Agency tries to contact you about a past due account, the best course forward is to respond to them and take the steps below.
Who Does Aargon Agency Collect For?
This collections agency buys delinquent accounts from retailers, telecom companies, utilities, medical facilities, banks, and other businesses and pursues the account owners to collect part of the overdue debts.
Step 1: Validate the Debt
Step one is to validate the debt. During the process when a collection agency takes on delinquent accounts, all kinds of errors may occur. This means that you need to validate whether the debt is actually yours.
Here’s the catch: you should request validation within 30 days of the time Aargon contacts you. You can use this free debt validation template from Cambio.
Mail the letter to:
8668 Spring Mountain Road
Suite 110
Las Vegas, NV 89117
You should expect them to validate your debt within 30 days. If they do not, file a complaint with the consumer finance protection bureau.
Step 2: Dispute Any Errors
As you review the validation information, look for any errors. Make sure that you are the actual owner of the debt and review the amount they claim you owe. If either of these things are wrong, you can ask the credit agencies and argon to delete your account.
You can send a dispute letter to the credit agencies (Equifax, TransUnion, and Experian) by using this dispute letter template. If Aargon does not counter your dispute, your collections account will be deleted. You should expect to receive a response within 30 days.
Step 3: Request a Pay for Delete Arrangement
A pay for delete arrangement is an agreement between you and the collections agency where you pay A portion of the debt. In exchange, the debt collector deletes your account. Collection agencies do not have to agree to this. It depends on the circumstances, however, if you are certain the debt is yours it is worth it to ask for this, since it takes only a few minutes.
Use this free Pay For Delete guide to help you.
Settle Your Debt
If Aargon Agency does not agree to a pay for delete arrangement, try to negotiate a settlement. The aim is to completely delete Aargon Agency from your credit history. However the second best option is for the account to reflect “paid” on your credit report.
When you negotiate, start with an amount that is less than the original debt. A common place to start is 20 – 30% of the debt total. Be sure to carefully consider your budget, and only offer an amount that you are sure you can pay. Whether you decide on a one-time payment, or monthly payments, it is important that you follow through to actually pay what you agree to pay.
Aargon Agency Phone Number
You may want to negotiate by speaking with their representative. To contact Aargon by phone, the number is: 1-800-280-1183.
Moving Past Bad Credit
After you’ve paid the debt, you can wait for the account to fall off of your credit history in 7 years. Or you can ask the collections agency for a goodwill deletion. There is a chance they may agree to this if you have paid the debt.
Taking steps to repair your credit history is important to your financial health. Although speaking with debt collectors is stressful, you can improve your chances at repairing your credit score by being proactive. Remember to stay focused and be consistent with your actions.
If you find you need extra help, Cambio can help you monitor your credit, and dispute collections accounts.
With this guide that shows you how to delete Aargon Agency from your credit report in 2023, you are now armed with information on how to improve your credit score and have a healthier financial future.
