Is Enhanced Asset Management Corp. on Your Credit Report?
Short answer: Enhanced Asset Management Corp. (Enhanced Asset Management) is a real, legitimate debt buyer based in Lawrenceville, GA. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Enhanced Asset Management Corp.?
Seeing Enhanced Asset Management Corp. on a credit report or in a voicemail usually means a balance was placed with an outside collector. Enhanced Asset Management Corp. purchases charged-off consumer accounts from original creditors and then collects on them in its own name. Because the account has changed hands at least once, the chain of ownership and the original account documents are frequently where these cases are won or lost. Under the FDCPA you can demand written validation of the debt, and under the FCRA you can dispute how it is reported.
You may also see this company on your report or in letters as: Enhanced Asset Management.
What most people don't know about Enhanced Asset Management:
Enhanced Asset Management Corp. appears on the West Virginia State Tax Department's Collection Agency Master List, a public registry of entities authorized to collect debts owed by West Virginia consumers, which lists its address of record as 242 Culver St, Lawrenceville, Georgia 30046-3243.
Why Is Enhanced Asset Management on My Credit Report?
Enhanced Asset Management Corp. typically collects charged-off credit card debt, auto deficiency balances, personal loan deficiencies. A collection like this usually lands on your report because:
- ✅ An original account (a charged-off credit card debt, for example) went unpaid and was charged off.
- ✅ The account was sold to Enhanced Asset Management Corp., which now owns the debt and is trying to collect the full balance.
- ✅ Enhanced Asset Management Corp. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Enhanced Asset Management Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Enhanced Asset Management a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Enhanced Asset Management tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Enhanced Asset Management stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Enhanced Asset Management can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Enhanced Asset Management from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Enhanced Asset Management
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Enhanced Asset Management entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Enhanced Asset Management Corp. — Frequently Asked Questions
Is Enhanced Asset Management Corp. a scam or a legitimate company?
Enhanced Asset Management Corp. is a real, registered debt buyer headquartered in Lawrenceville, GA. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Enhanced Asset Management, so always demand written validation before paying anything.
Why is Enhanced Asset Management Corp. on my credit report?
Seeing Enhanced Asset Management Corp. on a credit report or in a voicemail usually means a balance was placed with an outside collector. Enhanced Asset Management Corp. purchases charged-off consumer accounts from original creditors and then collects on them in its own name. Because the account has changed hands at least once, the chain of ownership and the original account documents are frequently where these cases are won or lost. Under the FDCPA you can demand written validation of the debt, and under the FCRA you can dispute how it is reported. It most commonly collects charged-off credit card debt, auto deficiency balances, personal loan deficiencies. It likely appeared after an original account went unpaid and was sold to them. Enhanced Asset Management Corp. appears on the West Virginia State Tax Department's Collection Agency Master List, a public registry of entities authorized to collect debts owed by West Virginia consumers, which lists its address of record as 242 Culver St, Lawrenceville, Georgia 30046-3243.
Can Enhanced Asset Management Corp. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Enhanced Asset Management collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Enhanced Asset Management Corp. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Enhanced Asset Management Corp. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Enhanced Asset Management.
How long can Enhanced Asset Management Corp. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Enhanced Asset Management Corp. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Enhanced Asset Management Corp. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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