Frequently Asked Questions
General
TrueAccord is a debt collection company started by people who had experienced bad treatment in the debt collection process. We recognized an opportunity to build a system to fundamentally change debt collection, so we created TrueAccord to turn collections into a recovery and reconciliation process.
RMA Certification Number: P1503-1102
RMA Business Certification Number: C1901-1123
Contact: Chief Compliance Officer Kelly Knepper-Stephens at support@trueaccord.com
We are contacting you because an unpaid account in your name has been placed in our office for collection. We want to work with you to resolve your debt, and we offer an easy way to do so online in your own time, where you can see your account information, payment, dispute, or hardship options and create your own payment plan. To see your options, click on the link in our emails. You can also reach out to us by emailing support@trueaccord.com or calling (866) 611-2731.
TrueAccord is a licensed third party debt collection agency. We work with clients who place accounts for us to collect on their behalf. TrueAccord does not purchase debts nor does it own your debt. If you have more questions about your account, feel free to access your account by clicking the link in your emails. You can also contact us by emailing support@trueaccord.com or calling (866) 611-2731
TrueAccord is an A rated Better Business Bureau (BBB) accredited company. Our mission is to empower consumers to improve their financial health. We do this by making debt collection customer-focused and as easy as possible. Don’t just take our word for it—read what our customers have to say on our Google reviews too!
TrueAccord is serious about data security. We seek to implement the best practices in data collection, storage, processing, and security to protect against unauthorized access and disclosure. TrueAccord protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES 256. When your personal data is stored by TrueAccord, we use computer systems with limited access housed in facilities using physical security measures.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that: there are security and privacy limitations beyond our control; the security, integrity, and privacy of any and all information exchanged between TrueAccord and our customers cannot be fully guaranteed. For more information see our Privacy Policy.
Account Information
You can see your original creditor in the initial communication we send you, and in some subsequent emails as well. You can also click on the “More information about my account” link in the footer of our emails to see this information. As always, you can also contact us by emailing support@trueaccord.com or calling (866) 611-2731 to ask for more information about your account.
RMA Certification Number: P1503-1102
RMA Business Certification Number: C1901-1123
Contact: Chief Compliance Officer Kelly Knepper-Stephens at support@trueaccord.com
At TrueAccord, we strive to reimagine debt collection as customer-focused and empathetic. That’s why we pride ourselves on our technology and content strategy to reach out to customers like you respectfully and in the least disruptive channels possible. We want to help you resolve your account and improve your financial wellbeing. Our online tools make it easy to see your options and create your own payment plan, so you can customize how much and how often you can make payments towards resolving your account.
As a debt collection agency, we may have a limited amount of time to work with you where you’ll get access to our online tools, flexible payment arrangements and digital communications. After our time is up servicing your account, some creditors may choose alternative ways to collect on the balance, including placing it with another collections agency.
We hope you give us a chance to help you resolve your account with us, and experience collections hassle-free. Don’t just take our word for it—read what our recent customers have written about us on our Google reviews.
Credit Reporting
No, TrueAccord does not report to credit bureaus, but your account owner may report updated information as required by law to the credit reporting agencies. For more information about how your score would be affected, please contact one of the three credit reporting agencies: Equifax, Experian and TransUnion.
- Equifax: www.Equifax.com/personal/credit-report-services. 800-685-1111
- Experian: www.Experian.com/help. 888-EXPERIAN (888-397-3742)
- TransUnion:www.TransUnion.com/credit-help. 888-909-8872
TrueAccord does not report to the credit reporting agencies. If the owner of your account credit reports, they will notify the appropriate credit reporting agency of any changes to the tradeline as required by law. Updates can sometimes take more than 90 days to show on your credit report. For more information please contact the credit reporting agencies directly (Equifax, Experian and TransUnion).
- Equifax: www.Equifax.com/personal/credit-report-services. 800-685-1111
- Experian: www.Experian.com/help. 888-EXPERIAN (888-397-3742)
- TransUnion: www.TransUnion.com/credit-help. 888-909-8872
Communications
If you no longer wish to receive emails from TrueAccord, you can click on the Unsubscribe link at the bottom of our emails.
You can also call us at (866) 611-2731 from Monday – Friday 8 AM ET – 8 PM ET and ask us to unsubscribe your email address.
Please note that unsubscribing will prevent us from contacting you via email, but we may attempt to reach out to you on different channels.
It’s important to be vigilant about email phishing attempts and scams. To help determine that an email from TrueAccord is legitimate, always check the sender name. Use your cursor to hover over the sender’s email address to make sure that it is from “http://trueaccord.com .” Some examples of what will appear when you hover over the email address for a legitimate email from TrueAccord:
When you hover over the email address and see anything else, it is not from TrueAccord. Examples of emails that are NOT from TrueAccord:
In addition, we will never ask you to provide personal or financial information over email or text message. If you are creating a TrueAccord account through our website or logging into your TrueAccord account, we will ask you for your TrueAccord account number. Your account number is included in the emails that we send you. It starts with 47 and is formatted like this: 47-XXXX-XXXX. If you have trouble locating your account number, please email us at support@trueaccord.com.
When you call our office (866) 611-2731 , we will ask you to provide personal information so that we can verify that we are speaking to you before discussing your account.
Payments
At TrueAccord, we offer a number of flexible payment options that you can customize to fit your needs. We are happy to discuss payment options with you. Our goal is to help you get this matter resolved as soon as possible.
You can learn about your payment options using several methods.
- Click the links in the emails we send you to visit our website.
- If you have your TrueAccord account number handy, you can click here to visit our website and access your account using your account number. Your TrueAccord number is found in our emails or letters and formatted as 47-XXXX-XXXX.
- If you have already set up your TrueAccord account with an email and password, click here to visit our website and access your account using your login information.
- Send an email to support@trueaccord.com.
- Call us at (866) 611-2731 from Monday – Friday 8 AM ET – 8 PM ET.
Depending on your account, some of these payment methods may be available:
- Visa or MasterCard credit and debit cards
- Bank Transfer
- Mailed in Check, Money Order, or Cashiers check.
If you mail your payment using a check, money order, or cashiers check, it should be payable to TrueAccord and include your account number on it. Your TrueAccord account number is found in our emails or letters and formatted as 47-XXXX-XXXX.
You can send your payment to:
TrueAccord
16011 College Blvd
Suite 130
Lenexa, KS 66219 USA
We appreciate knowing that you mailed a payment. Let us know by phone or email so we can note your account. You can call us at (866) 611-2731 from 8:00 a.m. to 8:00 p.m. ET (M – F) or email us at support@trueaccord.com.
We believe customers want to honor their obligations and we understand that financial circumstances can make this difficult. Let’s work together to find a solution that will allow you to resolve your account. If you can’t pay right now, please let us know by emailing us at support@trueaccord.com or call us at (866) 611-2731 from Monday – Friday 8 AM ET – 8 PM ET
Disputes
Once we receive your dispute, we will cease collection activity until we can provide you with documentation to verify the debt. Depending on the debt, verification can include an account statement, a signed contract, a payment history, or other similar documentation.
If we need additional information to investigate your dispute, we will contact you.