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AllianceOne is one of the largest and most aggressive debt collection agencies. Credit card companies, utility providers, student loan servicers, government agencies and medical services hire it to act as a third-party debt collection agency and pursue payments on their behalf.

If AllianceOne contacts you and a collection account appears on your credit report, you may wonder how you can remove the negative entry and stop the annoying calls. Fortunately, there are strategies you can use to do this.

Steps to remove AllianceOne from your credit report

You can follow these steps to remove an AllianceOne collection account from your credit report:

  • Request written communication
  • Write a debt validation letter
  • Dispute inaccurate information
  • Negotiate a pay-for-delete agreement
  • Hire a professional

Request written communication

If AllianceOne calls you, the first thing you should do is inform the representative that you won’t discuss the matter over the phone and that you want all future correspondence via mail only. Never give personal information, such as your Social Security number or date of birth, even if the agent requests it. AllianceOne is a legitimate company, with an A+ Better Business Bureau rating, and not a scam, but if it continues to call you after you ask it not to, you have every right to send a cease and desist letter.

In the event that you receive threatening calls or letters, it’s important to know your consumer rights under the Fair Debt Collection Practices Act (FDCPA), which regulates debt collection practices. This protects consumers from abusive, unfair or deceptive debt collection tactics, and familiarizing yourself with your consumer rights under the act will help you to deal with AllianceOne, get its entry off your report and stop the annoying phone calls.

AllianceOne contact information

It’s highly advisable to communicate in writing and not over the phone. You can send any correspondence to AllianceOne using the details below:


Attn: Compliance Department
3043 Walton Road
Suite 201
Plymouth Meeting, PA 19462

Write a debt validation letter

You can send a debt validation letter to a collection agency requesting verification that the debt is yours. It’s your right to ask for this, and the agency must provide the necessary documentation. If it can’t validate the debt, it must remove its collection entry from your report with the three major credit bureaus and stop collection attempts immediately.

You need to act fast because you only have 30 days from when an agency first contacts you to make your request. It’s a good idea to send this letter via certified mail so that you have documented proof of when the agency receives it.

Dispute inaccurate information

If AllianceOne validates the debt and you can’t remove the collection account, your next step is to check if any of the information that the agency has is inaccurate or incorrect, as this would allow you to file a dispute. To do this, you need to review the AllianceOne collection account on your credit report and look for any discrepancies. Information to check includes:

  • Account status
  • Payment status
  • Balances (high and current)
  • Spelling of names
  • Addresses
  • Account numbers
  • Dates
  • Credit limit

If you find any inaccuracies, write a letter to the three major credit bureaus, Transunion, Experian and Equifax, stating which entry is inaccurate. You can use a dispute letter template to help you.

Negotiate a pay-for-delete agreement

If all else fails, you can simply negotiate with AllianceOne to remove the negative entry. Write AllianceOne a letter that says you’ll pay the debt in full if it agrees to remove its collection account from your credit report with the three credit bureaus. Don’t attempt to negotiate a lower price or payment plan because it probably won’t work. However, if you can afford to pay the debt in full, this option will give the best chance of removing the negative entry, as most debt collection agencies are more than willing to agree to this type of arrangement.

Hire a professional

If you're unsuccessful in all your attempts, or you simply don't want to deal with the hassle, you may want to use a credit repair company to help you remove the collection or charge-off.

Consider contacting Lexington Law Credit Repair. You can check out its website for more information.

Update: This article has been updated to provide current contact information for AllianceOne.

Disclaimer: This story was originally published on August 1, 2017, on To find the most relevant information concerning collections or credit card inquiries, please visit: or