What does AAA DEBT REC mean on my credit report?
Learn about AAA DEBT REC , an debt collector offering loans for financial assistance. Check the impact to your credit report and financial status.
What is AAA DEBT REC ?
AAA DEBT REC is shorthand for 55 WEST Apartments, with the company name being 55 WEST Apartments LLC
AAA DEBT REC is a Debt Collector provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with 55 WEST Apartments.
- ⚫ 55 WEST Apartments 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.
How do I contact them?
Here is the current contact details for 55 WEST Apartments:
Address:
- 55 W Church St, Orlando, FL 32801
Website:
Email:
Phone:
Payments
To make a payment, please visit the Resident Portal and proceed with the payment instructions. NA for other information. There is a non-refundable pet fee of $350 for the first animal, and $350 for each additional animal. Monthly rent for pets is $25 each. To get a payment refund, contact the leasing office at the property. Monthly rent for motorcycles is $50 per month. Payments can be made over the phone. Payments can be made online through the Resident Portal. 55 West offers a range of floor plans from studios to 3 bedrooms and prices ranging from $1,360/month to $2,519/month. There are other payment options such as using a check or money order. You can make a payment using a mobile app. Late or missed payments incur penalties. You can make a payment using a prepaid debit card. You can make a payment using a wire transfer.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | 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
Florida offers two loan forgiveness programs, the Florida Loan Repayment Assistance Program and the Nursing Student Loan Forgiveness Program. The Florida Loan Repayment Assistance Program offers up to $5,000 per year as a forgivable loan and the Nursing Student Loan Forgiveness Program offers up to $4,000 in student loan forgiveness. To qualify for loan forgiveness, applicants may be required to meet certain criteria, such as making on-time payments for a certain number of years. Additionally, applicants may need to demonstrate that they have a financial need and meet certain other requirements set by the lender.
| Question | Answer |
|---|---|
| Do they offer loan consolidation? | No |
How to Apply
It is possible to apply for a loan online, in person, and through a mobile app. 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 over a phone call? | No |
| 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 AAA DEBT REC 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.
