What does AMERICOLLECT mean on my credit report?

Learn about AMERICOLLECT, 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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AMERICOLLECT is shorthand for Americollect Inc, with the company name being Americollect Inc

After eleven years working for Company, Kenlyn Gretz bought America’s Collectors in March,1999 from her manager and has been ranked by Inside ARM as one of the best places to work in collections at twelve consecutive times, largely due to its ridiculously nice approach. Her client turnover rate is 96%.

AMERICOLLECT 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 Americollect Inc.

  • ⚫ 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 Americollect Inc:


  • 1851 S Alverno Rd, Manitowoc, WI 54220, United States





payments can be made online, over the phone, or through the mobile app. Other payment options include checks, money orders, and wire transfer. There may be penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
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

Americollect does not offer loan forgiveness or consolidation. They provide medical collections services with a Ridiculously Nice approach.

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

How to Apply

the Debt Collection Rule FAQ does not require debt collectors to communicate electronically with consumers. It does provide guidance on how to do so and how to provide opt-out notices for electronic communications. It also provides definitions of what constitutes an inconvenient or unusual time or place. Americollect works with healthcare providers to improve their medical collections and does not offer loan applications over the phone. The CFPB offers several points to help properly communicate with patients if collectors do choose to use electronic means. There are also provisions which allow consumers to opt-out of electronic communications, and debt collectors must honor a consumer’s opt-out request if it does not conform to instructions.

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 using a mobile app? No

SmartCredit Report Example

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

AMERICOLLECT 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 AMERICOLLECT 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.