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How to Remove Global Credit & Collection Corp from Your Credit Report

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Being contacted by a debt collector is scary. They can be aggressive and rude, and they will continue to hound you with phone calls and letters for a debt until you pay up.

One debt collector you may hear from is called Global Credit & Collection Corp, they are on-par for collectors in terms of reputation and collection tactics.

While this is certainly annoying, it is the least of your concern when it comes to their impact on your long-term financial wellbeing.

In order to collect a debt from you, Global Credit & Collection Corp must open a collection account on your credit report.

This entry can stay on your credit report for up to seven years and will negatively impact your credit score during that time.

Prevent Global Credit & Collection Corp from wrecking your credit by removing their entry from your credit report.

About Global Credit & Collection Corp

Also known as Affinity Global or Leading Edge Recovery Solutions, Global Credit & Collection Corp is a small collection agency based out of Chicago, IL.

They have call centers located all over the world including, Markham, Ontario, Canada, and London, England to name a few.

There are also several call centers in the United States including New York City, Chicago, and Denver.

Is Global Credit & Collection Corp Legit?

Though they have sketchy collection practices, they are a legitimate company and not a scam.

Global Credit & Collection Corp employs about 220 employees across all of their locations specialize in collecting debts on behalf of Fortune 500 companies.

They are both a first and third-party collection agency that provides services for the Financial Services sector and other institutions including student loans, credit cards, and cell phone companies. They do not collect on any sort of real estate loans.

Even though Global Credit & Collection Corporation has an A+ rating with the BBB, they are not accredited with the BBB and they are not popular with their customers.

They have had complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau ( for various issues with customer service representatives, billing, and debt reporting.

Some of the complaints against Global Credit & Collection Corp are even regarding violations of the Fair Debt Collection Practices Act (FDCPA).

We will discuss the FDCPA and what it means for your rights as a consumer later on.

Steps to Remove Global Credit & Collection Corp from Your Credit Report

Many people don’t know where to start when it comes to dealing with a debt collector.

Unfortunately, you may make life more difficult for yourself if you pay the debt outright.

Instead, here are the steps you should follow to remove the collection from your credit report and get your credit score on the right track.

  1. Know Your Rights
  2. Goodwill Deletion
  3. Validate the Debt
  4. Negotiate a Settlement

Understand Your FDCPA Rights

Did you know that you have rights under federal law that protect you from aggressive debt collectors?

If you did, you probably did not learn about it from Global Credit & Collection Corp.

Debt collectors don’t want you to know that you have rights under the law because they wouldn’t be able to get away with their more aggressive collections tactics.

This is where it’s up to you as a consumer to educate yourself about your rights under the FDCPA and call Global Credit & Collection Corp out if they overstep their boundaries.


The Fair Debt Collection Practices Act (FDCPA) is federal legislation that lays out certain restrictions for debt collectors regarding how they go about soliciting payments from their customers.

Some of the tactics that the FDCPA prohibits include:

  • Calling before 8 a.m. or after 9 p.m.
  • Contacting family, friends, or coworkers regarding your debt
  • Contacting you after you have told them the time inconvenient for you
  • Threatening legal action that they cannot or will not take
  • Misrepresenting themselves or information about your debt
  • Using profane or abusive language when contacting you
  • Calling after you have requested communication through U.S. Mail

If Global Credit & Collection Corp commits any of the above, you can file a complaint against them with the CFPB, in fact, you may be entitled to a settlement payout if you work with the right representation.

Either way, it’s important to understand what Global Credit & Collection Corp can and cannot do according to the federal law.

If all of this seems like too much for you to handle, we understand.
We recommend that you hire a credit repair specialist to help you with your credit repair journey.

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Ask for a Goodwill Deletion

Debt collectors are scary entities. A lot of people are intimidated by them and will pay off the debt just to get rid of their harassment and threats.

How to Remove Action Financial Services from Your Credit Report

If you have already paid Global Credit & Collection Corp for the debt, you still have a chance of getting it taken off your credit report.

You can do this by writing them a letter asking for a goodwill deletion.

A goodwill deletion is when Global Credit & Collection Corp agrees to stop reporting the debt to major credit bureaus out of sympathy.

However, it will take more than sympathy to get a debt collector to agree to a goodwill deletion, you will need to have paid for the debt in full and have a mostly clean record besides the debt.

Start by writing Global Credit & Collection Corp a letter explaining why you were late on making payments in the first place.

If you lost your job or had a medical emergency, this is a good thing to mention, but whatever your reason is for requesting a goodwill deletion, make sure you’re telling the truth.

Debt collectors are great at spotting a tall tale and will often request documentation to back up your story.

Send a Debt Validation Letter

If a goodwill deletion isn’t an option for you, you have another course of action that you can take.

In fact, you should probably do this no matter what the circumstances because it can get you out of paying the debt altogether: request debt validation.

Sometimes known as a Section 609 letter, a debt validation letter is a formal request for Global Credit & Collection Corp to confirm that the debt belongs to you, and they have all the correct information in order to collect it.

According to the FDCPA, you are allowed to send this within the first 30 days of contact, and the collector must respond.

If Global Credit & Collection Corp can’t prove that the debt belongs to you or they have incorrect information, they must contact all three major credit bureaus and delete the account from your credit report.

The best part is that you are off the hook from paying the debt at all if it cannot be validated.


Start by writing a letter requesting that Global Credit & Collection Corp confirm your account by sending you proof that the debt belongs to you.

This includes information such as the name on the account, debt total, and the date of the last account activity.

The date of the account activity is especially important because it can prove that the debt is beyond the statute of limitations for collections.

By law, a debt collector must stop collection efforts if the debt exceeds state requirements for the statute of limitations, typically, this is seven years, but it will vary from state to state.

Global Credit & Collection Corp should respond to your request within 30 days. If they are unable to confirm the details of your account, they must contact the credit bureaus and delete the account according to the law.

Get a Free Copy of Your Credit Report

Make a Pay-for-Delete Agreement

If Global Credit & Collection Corp is able to prove that the debt is yours, your next step is to negotiate a settlement with them.

The most common type of settlement reached with debt collectors is called a pay-for-delete agreement.

Debt collectors may be hesitant to agree to a pay-for-delete, but they may if they believe that it is the only way for them to make their money back.

One of the best things about this is that you may be able to negotiate to pay less than the total balance.

When negotiating a pay-for-delete, be sure that Global Credit & Collection Corp agrees to fully delete the negative entry on your credit report, and never give them direct access to your bank account.

If they change the status to paid, this will still affect your credit score.

Finally, always get the agreement in writing before you make payment.

That way, you’ll have proper documentation if Global Credit & Collection Corp doesn’t follow through with their promise to delete the account.

Global Credit and Collection Corp Contact Information

Here’s a little bit more contact information about this United States-based debt collection agency:

  • Mailing Address: 5440 N Cumberland Ave STE 300, Chicago, Illinois 60656
  • Phone Number: (855) 601-0375
  • Website:

Final Words

Debt collectors are terribly unpleasant to deal with, but there are steps you can take to make sure that their impact on your financial well-being is minimal.

For more tips on how to boost your credit score, be sure to check out some of our most popular articles.

The ability to improve your credit begins with you.

As a general disclaimer, the information in this article is not meant to substitute as legal advice. Please seek legal counsel from a law firm if your situation warrants it.

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