Absolute Resolutions — whether it appears as Absolute Resolutions Investments, LLC or Absolute Resolutions Corporation — is a name people meet on credit reports and in court paperwork for debts they took on years earlier with someone else entirely. That is because it is a debt buyer: it purchases old accounts outright and then collects them under its own name.
What Absolute Resolutions is
Absolute Resolutions describes itself as specializing in the recovery of distressed consumer receivables and other portfolios purchased directly from originators — meaning it buys past-due accounts from the original lenders. Its Better Business Bureau record lists Absolute Resolutions Investments at 8000 Norman Center Drive, Suite 350, Bloomington, Minnesota, as a collections and financial services company. When a purchased debt is reported, “ABSOLUTE RESOLUTIONS” is the name that appears on the credit file — not the lender you actually did business with.
The errors to look for
Purchased debt is where credit reporting goes wrong most often, because the account has changed hands — sometimes more than once — and the records do not always follow. Look for: a debt that is not yours at all; a balance larger than what you owed; a debt you already paid or settled still reporting as open; a debt so old it should no longer appear on the report; and the same debt reported twice, once by the original lender and once by the buyer, in a way that misstates what you owe. If the account is one you never had, start with our collection that is not yours page.
How to dispute an Absolute Resolutions entry
With the credit bureaus. Dispute in writing with each bureau showing the entry. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. Absolute Resolutions publishes consumer contacts on its own website, including a dedicated toll-free line for credit reporting and account questions at 1-888-766-4028 and a mailing address at PO Box 243, Minneapolis, MN 55439. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If the entry comes back “verified” and it is still wrong — not yours, the wrong amount, too old to report — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt buyers, debt collectors, and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Absolute Resolutions Corporation or Absolute Resolutions Investments, LLC, and this page is not a complaint about those companies. It describes how entries can appear on credit reports and the rights consumers have when an entry is wrong.