Is High Point Asset Inc. on Your Credit Report?
Short answer: High Point Asset Inc. (High Point Asset Inc.) is a real, legitimate debt buyer based in Lakewood, CO. 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 High Point Asset Inc.?
The Lakewood-based debt buyer High Point Asset Inc. is documented in the CFPB's public Consumer Complaint Database, which confirms it is an operating collector and gives you a federal regulator to escalate to if a dispute is not resolved.
You may also see this company on your report or in letters as: High Point Asset Inc..
What most people don't know about High Point Asset Inc.:
Searching High Point Asset Inc. in the CFPB Consumer Complaint Database returns 123 debt-collection complaints against the Lakewood operation. Volume alone says nothing about whether your specific balance is accurate, but it does establish that this debt buyer is actively collecting and that consumers routinely escalate disputes about it to a federal regulator — an option that stays open to you.
Why Is High Point Asset Inc. on My Credit Report?
High Point Asset Inc. typically collects purchased charged-off accounts, consumer accounts. A collection like this usually lands on your report because:
- ✅ An original account (a purchased charged-off accounts, for example) went unpaid and was charged off.
- ✅ The account was sold to High Point Asset Inc., which now owns the debt and is trying to collect the full balance.
- ✅ High Point Asset Inc. 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 High Point Asset Inc. 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 High Point Asset Inc. 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 High Point Asset Inc. 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 High Point Asset Inc. 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," High Point Asset Inc. 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 High Point Asset Inc. 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 High Point Asset Inc.
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 High Point Asset Inc. 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.
High Point Asset Inc. — Frequently Asked Questions
Is High Point Asset Inc. a scam or a legitimate company?
High Point Asset Inc. is a real, registered debt buyer headquartered in Lakewood, CO. 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 High Point Asset Inc., so always demand written validation before paying anything.
Why is High Point Asset Inc. on my credit report?
The Lakewood-based debt buyer High Point Asset Inc. is documented in the CFPB's public Consumer Complaint Database, which confirms it is an operating collector and gives you a federal regulator to escalate to if a dispute is not resolved. It most commonly collects purchased charged-off accounts, consumer accounts. It likely appeared after an original account went unpaid and was sold to them. Searching High Point Asset Inc. in the CFPB Consumer Complaint Database returns 123 debt-collection complaints against the Lakewood operation. Volume alone says nothing about whether your specific balance is accurate, but it does establish that this debt buyer is actively collecting and that consumers routinely escalate disputes about it to a federal regulator — an option that stays open to you.
Can High Point Asset Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported High Point Asset Inc. collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if High Point Asset Inc. 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 High Point Asset Inc. 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 High Point Asset Inc..
How long can High Point Asset Inc. 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 High Point Asset Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will High Point Asset Inc. 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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