Alliance One is one of the largest collection agencies in the world. Alliance One was formed in 1999 through the merger of five predecessor companies. As of August 1, 2007, Alliance One, Inc. is a subsidiary of Teleperformance USA, Inc. They specialize in health care debt collection and have more than a dozen offices and call centers in the United States.
If you do a search for Alliance One on the internet, you will no doubt see many complaints about them and their harassment phone calls and incompetent, untrained employees. Avoid talking to debt collectors on the phone. All communication with a debt collector should be written. Learn your rights under the Fair Debt Collection Practices Act before dealing with collection agencies.
When Alliance One is assigned a collection account from one of your creditors, they report the account on your credit report. Collection accounts on your credit report can severely damage your credit.
The good news is collection accounts are removed from credit reports by the thousands everyday. If you have collection accounts on your credit report there are a few ways you can have them removed. The most effective method is to dispute the account with the credit bureaus. You are permitted by law to dispute any item on your credit report that is "questionable". If you're not sure that the details of an account are being reported correctly or if you are completely unfamiliar with the account at all, then you can dispute it with the credit bureaus.
Debt validation and pay for delete methods are other techniques used by credit repair services and consumers trying to repair their credit. It's important to explore these methods when dealing with collection agencies like Alliance One. By getting collection accounts taken care of and removed from your credit reports, you can raise your credit scores and have a better chance of getting a loan with a good interest rate.