Allied International Credit (AIC) Corp on Your Credit Report? Fight Back and Win

Last Updated:
April 25, 2023

Allied International Credit, or AIC, is a debt collector. If you’re receiving calls from Allied International Credit, you aren’t alone, but there are things you can do to take back control and stop the otherwise seemingly nonstop phone calls.

From federal legal protections against harassment by debt collectors to working with attorneys to get rid of Allied International Credit on your credit report, below is what you should know if you’re dealing with an onslaught of phone calls or correspondence from this company.

Is Allied International Credit a Scam?

Allied International Credit isn’t a scam; AIC is a legitimate debt collection company. With that being said, there are limitations put on debt collectors at the federal level as far as how they can and can’t attempt to collect debts from consumers. Additionally, while the company itself is legitimate, that doesn’t always mean they’re trying to collect a debt you actually owe.

There are numerous situations where errors on a person’s credit report lead to phone calls, letters, and more from debt collectors. Based on a study from the Federal Trade Commission (FTC), one in five people have errors on at least one credit report. When you have errors, it can affect your ability to get more credit, and you may have to deal with phone calls from collections companies like Allied International Credit. 

Common reasons that you could be contacted by Allied International Credit by mistake include problems with your identity data. Examples include the wrong name, accounts that belong to someone else, or accounts stemming from identity theft. There are also errors related to reporting status. For example, maybe AIC calls you about an account you’ve paid and properly closed out, or the same debt might be listed multiple times. 

There could be a reinsertion of wrong information after it was corrected, or accounts could appear multiple times as coming from different creditors.

If you have errors listed on your credit report leading to phone calls from AIC, you might think about working with an FCRA lawyer to resolve them.

Allied International Credit has an A+ and accreditation from the Better Business Bureau since 2013. At the same time, any consumers have also filed complaints against them. A lot of the complaints involve incorrect information listed on credit reports from AIC. Some consumers say they never received any communication or notification that they had a collection account with AIC before finding it on their credit report.

What If Allied International Credit Is Harassing Me?

Even if you legitimately owe a debt, Allied International Credit can’t, under federal law, use that as an excuse to harass you. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors like this one from using abusive language or threatening you. 

It even protects against communication at places or times that are intentionally inconsiderate. For example, if Allied International Credit were to call you and threaten you with jail time or continue calling after 9 p.m., they might be in violation of the FDCPA.

Providing you with false information, attempting to mislead you, or threatening legal actions that aren’t allowed are also prohibited under the FDCPA.

If you’re experiencing anything that sounds like this, you can send a letter asking them to stop. This doesn’t prevent them from being able to take allowable legal action, but it will stop the harassment, which you shouldn’t have to live with. You can file complaints with the FTC and the Consumer Financial Protection Bureau.

Even if a debt collector is legally within their rights, they may still act aggressively, and dealing with that will inevitably affect your quality of life. Contact an FDCPA attorney if you need help.

Who Does Allied International Credit Collect For?

Our research shows that Allied International Credit primarily collects debt for major financial institutions, like credit card companies. Like most debt collection companies, they act as a third-party collector, meaning your original debt would have been with another company.

  • The website is
  • AIC’s phone number is 877-335-0500
  • The address for the company is 6800 Paragon Place, Suite 400, Richmond, VA 23230

Why Does Allied International Credit Keep Calling Me?

Allied International Credit could be calling you because of past unpaid debt. The company might also contact family members or send you letters or emails because you owe a debt to a company they’ve been hired by to collect.

One of the steps to take when getting calls from a company like AIC is to get a copy of your credit report from the three bureaus—Equifax, Experian, and TransUnion. Go over this carefully to make sure everything is accurate.

Before speaking to Allied International, if possible, speak to a Fair Credit Reporting Act attorney. An FCRA can work on your behalf to verify and dispute a debt. Your right to dispute incorrect information is part of your rights under the FCRA. Speaking to a debt collector without consulting an FCRA attorney first might make the situation more difficult. 

Once a dispute is submitted on behalf of a consumer to Allied International Credit, the company is required to investigate it and make necessary corrections or delete inaccurate information. The company will usually have 30 days to do an investigation following a dispute, and sometimes as long as 45 days. 

Without having wrong information removed from your credit, you could continue to experience phone calls, as well as impacts on your credit report and your ability to open new accounts or even do things like renting a home. If you are able to get new credit with negative information wrongly included in your credit history, you’ll probably pay significantly higher interest rates. 

Get a Free Case Review Today

Living under a cloud of aggressive debt collection phone calls isn’t something you should have to deal with, but many people don’t realize they have options. If you’re sick of the calls or believe Allied International Credit is trying to collect a debt from you incorrectly, there are opportunities for you to regain control of your finances, time, and credit score. Contact the attorneys at Fair Credit today for a free review of your case.

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