What does AMERASSIST mean on my credit report?

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

Updated January 1, 2023
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AMERASSIST is shorthand for AmerAssist A/R Solutions, with the company name being AmerAssist A/R Solutions

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AMERASSIST 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 AmerAssist A/R Solutions.

  • ⚫ 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 AmerAssist A/R Solutions:


  • 1105 Schrock Rd, Columbus, OH 43229, United States





To make a payment, customers can contact Home’s toll free number (877) 900-5300 during their hours of operation, 8:00 a.m – 5:00 p.m. Eastern Time. AmerAssist also offers a variety of payment plan options including credit cards, debit cards, electronic payments (ACH), MoneyGram, and bank wire. To get a payment refund, customers should contact Home’s toll free number. Payments can be made over the phone or online. Penalties may apply for late or missed payments. As required by law, a consumer also has the right to request in writing that a debt collector or collection agency cease further communication with the consumer.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? Yes
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

AmerAssist A/R Solutions is a debt relief company that offers a variety of ways to make debt payments and resolve accounts. Services include the ability to pay by credit card, debit card, electronic payments, MoneyGram, or bank wire. The company does not offer loan forgiveness or consolidation services. Consumers who believe they may qualify for loan forgiveness can contact the Federal Trade Commission for more information.

Question Answer
Do they offer loan consolidation? No

How to Apply

It is possible to apply for a loan online, over the phone, or in person. AmerAssist does not offer loans, but provides payment options such as credit cards, debit cards, electronic payments, MoneyGram, and bank wires. It is also possible to apply for a loan with a cosigner.

Question Answer
Can I apply for a loan online? 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

SmartCredit Report Example

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

AMERASSIST 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.

How do I remove AMERASSIST 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.