Is Freedom Financial Asset Management, LLC on Your Credit Report?
Short answer: Freedom Financial Asset Management, LLC (Freedom Financial Asset Management, LLC) is a real, legitimate debt buyer based in Tempe, AZ. 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 Freedom Financial Asset Management, LLC?
Freedom Financial Asset Management, LLC is a debt buyer that purchases and collects charged-off consumer accounts, headquartered in Tempe, AZ. It is licensed to operate as a debt collection agency in New York City under license number 2098008-DCA, a public record maintained by the New York City Department of Consumer Affairs (predecessor to DCWP).
You may also see this company on your report or in letters as: Freedom Financial Asset Management, LLC, Achieve Personal Loans.
What most people don't know about Freedom Financial Asset Management, LLC:
Freedom Financial Asset Management, LLC holds an active New York City debt-collection license (No. 2098008-DCA) on file with the New York City Department of Consumer Affairs (predecessor to DCWP), listing its address of record in Tempe, AZ. That license status is a verifiable starting point: if a caller claims to represent Freedom Financial Asset Management, LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Why Is Freedom Financial Asset Management, LLC on My Credit Report?
Freedom Financial Asset Management, LLC typically collects charged-off consumer accounts. A collection like this usually lands on your report because:
- ✅ An original account (a charged-off consumer accounts, for example) went unpaid and was charged off.
- ✅ The account was sold to Freedom Financial Asset Management, LLC, which now owns the debt and is trying to collect the full balance.
- ✅ Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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," Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC
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 Freedom Financial Asset Management, LLC 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.
Freedom Financial Asset Management, LLC — Frequently Asked Questions
Is Freedom Financial Asset Management, LLC a scam or a legitimate company?
Freedom Financial Asset Management, LLC is a real, registered debt buyer headquartered in Tempe, AZ. 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 Freedom Financial Asset Management, LLC, so always demand written validation before paying anything.
Why is Freedom Financial Asset Management, LLC on my credit report?
Freedom Financial Asset Management, LLC is a debt buyer that purchases and collects charged-off consumer accounts, headquartered in Tempe, AZ. It is licensed to operate as a debt collection agency in New York City under license number 2098008-DCA, a public record maintained by the New York City Department of Consumer Affairs (predecessor to DCWP). It most commonly collects charged-off consumer accounts. It likely appeared after an original account went unpaid and was sold to them. Freedom Financial Asset Management, LLC holds an active New York City debt-collection license (No. 2098008-DCA) on file with the New York City Department of Consumer Affairs (predecessor to DCWP), listing its address of record in Tempe, AZ. That license status is a verifiable starting point: if a caller claims to represent Freedom Financial Asset Management, LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Can Freedom Financial Asset Management, LLC be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Freedom Financial Asset Management, LLC collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC.
How long can Freedom Financial Asset Management, LLC 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 Freedom Financial Asset Management, LLC acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Freedom Financial Asset Management, LLC 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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