What does AMSHER COLL mean on my credit report?

Is AMSHER COLL making an impact on your credit score?

Updated January 1, 2023
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What is AMSHER COLL?

AMSHER COLL is shorthand for AmSher Compassionate Collection, with the company name being AmSher Compassionate Collection

AMSHER COLL is a Collections Agency provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.
  • ⚫ You opened an account with AmSher Compassionate Collection.
  • ⚫ AmSher Compassionate Collection bought your debt and are now trying to collect on it.
  • ⚫ You opened a credit card / loan / mortgage with this company.
  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for AmSher Compassionate Collection:

Address:

  • 4524 Southlake Pkwy #15, Hoover, AL 35244, United States

Website:

Email:

Phone:

Payments

AmSher is a company that specializes in recovering outstanding receivables. They have been in business for over 30 years and have expertise in the Telecommunications, Cable, Utility, Healthcare, Property Management, Commercial, and Financial Service markets. They do not offer monthly payment plans, online payments, or the ability to make payments over the phone. There are no penalties for late or missed payments. You can wire transfer payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? No
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

loan forgiveness is not offered. they do not offer loan consolidation.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

AmSher does not offer any loan services online or over the phone. It is not possible to apply for a loan in person or using a mobile app. A cosigner may be needed.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

AMSHER COLL SmartCredit Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

What is a Collections Agency?

Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.

How do I remove AMSHER COLL from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.