What Is AR Resources Inc. and Why Is It on My Credit Report?

FT Contributor
A person looks agitated while reviewing financial documents.

AR Resources Inc. is a collections agency based out of Jacksonville, Florida, specializing in business-to-business, consumer, property management, and healthcare debt recovery.

The company landed on your credit report because you have a delinquent account with a third-party company, which either sold the debt to AR Resources or employed them to collect your debt on their behalf.

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What to Do if You See AR Resources Inc. on Your Credit Report

Seeing a collections notice on your credit report is a serious matter since just one can drop your score by 100 points or more. What’s more, if you don’t address the problem, your score could fall further, and you could eventually have some of your property repossessed to pay off your debt.

Therefore, the faster you deal with the collections issue, the sooner you can get your score back to where it needs to be. And the first step is determining whether you owe what they claim.

Verify That It Is Legitimate

If you identify a collections debt on your credit report, the good news is that you’re one step closer to taking action.

However, if you don’t recognize the account’s information, it could be a mistake by the original business, the debt collector, or one of the three reporting agencies.

Since you don’t want a false-negative mark to drag down your score, it’s essential to send a dispute letter to have the collections mark removed from your report. Afterward, the company has 30 days to respond or remove the account altogether.

Pay It Off

The fastest and most effective way to deal with AR Resources Inc., or any other debt collections agency, is to contact them directly, verify the debt is legitimate, and then pay it off.

Keep in mind that you might be able to negotiate a final payment with the collections agency that’s lower than the original balance owed in some instances.

Speak With a Credit Counselor

Finally, speaking with a credit counselor can help you slowly restore your credit. Counselors accomplish this by providing guidance and educating you on examining your score, budgeting, debt, and money management strategies so that you can pay down what you owe, improve your credit score, and stay out of debt in the future.

It’s important to note that a credit counselor and a credit repair company are not the same. Like counselors, credit repair companies also work to help improve your score. But repair companies accomplish this by analyzing your credit report, identifying any errors, and then sending dispute letters to the credit reporting agencies.

Remember that credit repair agencies can’t remove accurate marks on your reports, such as legitimate collections and late payments.

How to Remove AR Resources Inc. From Your Credit Report

There are a handful of actions you can take to remove AR Resources Inc. from your credit reports. We’ve included some of the most common below.

Download Your Free Credit Reports

If you want to remove AR Resources Inc., first, download your free credit reports from each of the reporting bureaus (something you can do as often as once per week).

While looking through them, note the age and of each account and your related payment history. If you locate a collection mark, also jot down the account number, the account’s status (e.g., charged off, closed), and the date the debt went delinquent.

File a Dispute Letter

Sometimes, collections that are older than seven years don’t automatically fall off your credit report. Other times, a paid account will show as unpaid, or you might not recognize a negative mark.

In these instances, you must send dispute letters to each of the three reporting bureaus. Identify each mark you’re disputing, why you’re disputing them, and outline your desired outcome (e.g., that it’s removed or corrected). Don’t forget to make a copy of the letters and keep them in a file folder.

Enlist the Help of a Credit Repair Company

The problem is that even if the collections notice on your credit report is valid, and you pay it in full, it can continue negatively impacting your score for up to seven years.

What’s more, even if you pay off your debt and AR Resources agrees to remove the collections notice, your late payments and eventual charge-off with the original company will remain and continue to negatively impact your score (although not as much).

In either instance, you need to enlist the help of a credit repair company. These professionals can comb through your credit report line-by-line, identify errors, and then send dispute letters on your behalf.

Furthermore, many credit repair companies also offer counseling services, which can help you stay informed and identify habits and behaviors that can keep you from getting another collection notice on your report.

Will AR Resources Inc. Sue Me?

At first, collections agencies like AR Resources will try to contact you via phone, email, and snail-mail to collect on the debt they own. They can be quite persistent and don’t like to be ignored. However, they don’t particularly enjoy suing individuals, either.

If they decide to sue, you may receive a summons to go to court. If you also ignore this demand, the collections company may receive a judgment that allows them to seize your assets or garnish your wages.

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