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ACS reports to all 3 major

Credit Bureaus:



    Equifax        Experian        TransUnion



Unless otherwise requested, we report each account after it has been listed

for 30 days.

Collection Practices



Associated Credit Service, Inc. employs a collection staff certified with the ACA and fully trained to recover bad debts as efficiently as possible. We require all employees to adhere to federal, state and local laws and regulations, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.


If necessary, ACS has the ability to take legal action on delinquent accounts. From preparation of all legal documents to final judgment in court, our attorneys handle all account litigation in the most professional, expeditious manner possible.

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