What does ALEXANDER ROSE ASSOCIA mean on my credit report?

Learn about ALEXANDER ROSE ASSOCIA, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image


ALEXANDER ROSE ASSOCIA is shorthand for Alexander Rose & Associates INC, with the company name being Alexander Rose & Associates INC

ALEXANDER ROSE ASSOCIA is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Alexander Rose & Associates INC.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for Alexander Rose & Associates INC:


  • 8876 Gulf Fwy # 400, Houston, TX 77017, United States





To make a payment with Alexander-Rose Associates, Inc., customers can log in to their Client Portal, email documents electronically, send files via fax or postal mail, or make a payment over the phone. There is a contingency fee for their services, and customers will receive a monthly statement of payment with a check for monies owed. Alexander-Rose has been in the debt collection and credit reporting business since 1988.

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

Forgiveness and Cancellation

Alexander-Rose Associates, Inc. offers debt recovery services as well as credit reporting services. They do not offer loan consolidation. NA. To qualify for loan forgiveness, complete a credit/rental application, provide an itemized final statement, and submit a service, lease, or rental contract to Alexander-Rose Associates. Alexander-Rose offers no monthly charges and their fee is based on a contingency rate. They offer various procedures to submit documents, such as email, fax, or mail.

Question Answer
Do they offer loan forgiveness? No

How to Apply

You can apply for a loan online, over the phone, or in person with Alexander-Rose Associates. They specialize in debt recovery and credit reporting and have been providing quality services since 1988. They offer a range of services such as application screening, move-in/out condition reports, tenant and owner liabilities, and Texas lease laws. Their fees are based on a contingency rate, so there are no monthly charges. You can log in to their Client Portal to upload documents, collection files, or add accounts.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

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.

How do I remove ALEXANDER ROSE ASSOCIA 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.