My company, ASAP Credit Repair, helped over 65,000+ clients remove collection accounts from their credit reports in the past 12 years.
Knight Adjustment Bureau is one name I see way too often.
Just last month, we had a situation with a client. He has this Knight Adjustment Bureau thing on his credit report for $847. He has no idea what it is.
We know where that confusion comes from, especially if it's the first time you heard about the company.
Here's what's really going on and exactly how to fix it.
What Is Knight Adjustment Bureau?
Knight Adjustment Bureau is a debt collection company in Utah. But here's what they don't tell you upfront: they rarely collect debts for the original company.
Instead, they buy old debts for cheap. Really cheap.
Sometimes as low as 3 cents per dollar.
Here's how it works: Let's say you owed Visa $1,000 three years ago. Visa couldn't collect it, so they sold your debt to the Knight Adjustment Bureau for $30. Now Knight owns your $1,000 debt and wants you to pay the full amount.
That's why they're so aggressive. Every dollar they collect is almost pure profit.
Why Knight Adjustment Bureau Appears on Your Credit Report
I see three main reasons Knight Adjustment Bureau shows up on credit reports:
Reason 1: Old Credit Card Debt. This is the big one. About 60% of my clients with Knight Adjustment Bureau collections have old credit card balances from 2-5 years ago.
Reason 2: Medical Bills. Hospitals sell unpaid bills to collectors all the time. That $300 emergency room visit from 2021? It might be on your credit report now as a Knight Adjustment Bureau collection.
Reason 3: Utility Bills. Phone, electric, cable bills. When you move and forget to pay the final bill, it often ends up with collectors like Knight Adjustment Bureau.
Here's a real example from my files: Jennifer from Texas had a $156 Knight Adjustment Bureau collection. Turns out it was an old Verizon bill from an apartment she moved out of in 2019. She completely forgot about it until it tanked her credit score.
How Knight Adjustment Bureau Hurts Your Credit Score
Let me be straight with you. A Knight Adjustment Bureau collection will wreck your credit score.
Here's the real damage I see with my clients:
- 700+ credit scores drop to 580-620
- 650 credit scores drop to 520-580
- Already struggling? You might hit the 400s
But here's what credit repair companies won't tell you: The damage isn't permanent. I've seen scores bounce back 50-100 points within 3-6 months after removing collections.
Take my client Marcus. His score was 590 with three collections, including Knight Adjustment Bureau. Six months after we removed them all, he hit 720. He bought his first house that year.
Good Read: Unlock Your Financial Future: Boost Your Credit Score From 300 to 720+
How Knight Adjustment Bureau Contacts You (What to Expect)
Based on my clients' experiences, here's what Knight Adjustment Bureau typically does:
Phase 1: The Nice Letters They start with formal letters. "We're trying to collect a debt. Please contact us to resolve this matter."
Phase 2: The Phone Calls This is where it gets annoying. My clients report 3-10 calls per day. They'll call your cell, work number, even family members.
Phase 3: The Pressure "This is your final notice before legal action." "We need payment today to avoid further collection activity."
One client, David, told me: "They called me at 7 AM on a Saturday. The guy said if I didn't pay $500 by Monday, they'd garnish my wages. I was terrified."
Here's the truth: Most of these threats are empty. They're trying to scare you into paying.
Your Legal Rights Against Knight Adjustment Bureau
The Fair Debt Collection Practices Act (FDCPA) protects you. I use these rules to help my clients every day.
Knight Adjustment Bureau CANNOT:
- Call before 8 AM or after 9 PM
- Call your workplace if you tell them not to
- Threaten to arrest you (this never happens for unpaid debts)
- Lie about being lawyers or government agents
- Discuss your debt with family members
You CAN:
- Tell them to stop calling (in writing)
- Ask for proof of the debt
- Dispute the debt if it's wrong
- Sue them if they break the law
I had a client win $3,000 because Knight Adjustment Bureau kept calling after she told them to stop. These laws have teeth.
How to Remove Knight Adjustment Bureau from Your Credit Report (Step-by-Step)
This is my exact process. I've used it hundreds of times.
Step 1: Get Your Credit Reports
Go to annualcreditreport.com. It's the only official free site. Check all three reports:
- Experian
- Equifax
- TransUnion
Look for any account that says "Knight Adjustment Bureau" or "KAB."
Step 2: Send a Debt Validation Letter to Knight Adjustment Bureau
You have 30 days from their first contact to do this. Here's what to ask for:
"Please provide:
- Name of the original creditor
- Original account number
- Proof that you own this debt
- Proof that the debt amount is correct
- Copy of any agreement I signed"
Send it certified mail. Keep the receipt.
Step 3: Wait for Their Response
They have 30 days to respond.
Based on experience, we say that about 40% of the time, they can't prove the debt is yours. If they can't prove it, they must stop collecting and remove it from your credit report.
Step 4: Dispute with Credit Bureaus
While waiting for Knight Adjustment Bureau's response, dispute the account with all three credit bureaus.
You can do this online, but I prefer certified mail. It creates a paper trail.
Step 5: Negotiate If Needed
If Knight Adjustment Bureau proves the debt is yours, you have options:
- Option A: Pay for Delete "I'll pay $X if you remove this from my credit report." Get this in writing before paying anything.
- Option B: Settlement Offer to pay 30-50% of the balance. They bought your debt cheap, so they'll often take less.
- Option C: Payment Plan If you can't pay a lump sum, ask for monthly payments. But get the agreement in writing.
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Real Success Stories: How My Clients Beat Knight Adjustment Bureau
Case Study 1: Maria's Medical Bill
Maria had a $890 Knight Adjustment Bureau collection from an old hospital bill. She didn't even remember going to that hospital.
We sent a debt validation letter. Knight Adjustment Bureau couldn't provide proof she owed the money. The account was removed from all three credit reports within 45 days. Her score jumped 67 points.
Case Study 2: Tom's Credit Card Debt
Tom owed $1,247 to Knight Adjustment Bureau from an old Chase credit card. He knew the debt was his but couldn't afford the full amount.
We negotiated a pay-for-delete for $400. Tom paid it, Knight Adjustment Bureau removed the collection, and his credit score went from 543 to 612 in two months.
Case Study 3: Lisa's Disputed Amount
Knight Adjustment Bureau claimed Lisa owed $2,100. But her records showed she only owed $800 on the original debt.
We disputed the amount. Knight Adjustment Bureau couldn't prove the higher amount was correct. They settled for $300 and removed the collection entirely.
Common Knight Adjustment Bureau Mistakes You Can Use
In my experience, Knight Adjustment Bureau makes these errors a lot:
- Wrong Amounts. I've seen them add fees and interest that weren't in the original agreement. Always compare their amount to your records.
- Wrong Dates. They might report the wrong date of first delinquency. This affects how long the collection stays on your credit report.
- Wrong Personal Info. Sometimes they mix up names, addresses, or Social Security numbers. Any error is grounds for removal.
- No Documentation. When we request proof, they often can't provide the original contract or account statements. No proof = no valid debt.
When Knight Adjustment Bureau Threatens to Sue You
About 10% of my clients get sued by Knight Adjustment Bureau. Here's what really happens:
The Truth About Lawsuits:
- Most collection lawsuits are for debts over $1,000
- They have to sue you in your home state
- You have 20-30 days to respond (varies by state)
- They still need to prove you owe the money
What NOT to Do:
- Don't ignore the court papers
- Don't assume you'll lose
- Don't pay without getting something in writing
What TO Do:
- Respond to the lawsuit
- Ask them to prove the debt in court
- Consider hiring a lawyer (many work on contingency)
I had a client who was sued for $3,400. In court, Knight Adjustment Bureau couldn't prove the debt was valid. The case was dismissed, and my client didn't pay a penny.
How Much Does Knight Adjustment Bureau Usually Settle For?
Based on my client settlements over the past three years:
- Debts under $500: Usually settle for 20-40%
- Debts $500-$1,500: Usually settle for 30-50%
- Debts over $1,500: Usually settle for 40-60%
But here's the key: Always ask for pay-for-delete. A settlement that stays on your credit report isn't worth much.
Last month, I helped a client settle a $920 Knight Adjustment Bureau debt for $275 with full removal from her credit report. That's a win.
The Knight Adjustment Bureau Timeline: What to Expect
Here's the realistic timeline for resolving a Knight Adjustment Bureau collection:
Week 1-2: Send debt validation letter
Week 3-6: Wait for their response
Week 7-10: Dispute with credit bureaus if needed
Week 11-16: Negotiate settlement if debt is valid Week 17-20: Collection removed from credit reports
Total time: 4-5 months on average.
Some cases resolve faster. Others take longer. But most of my clients see resolution within six months.
Red Flags: How to Spot Knight Adjustment Bureau Scams
Real debt collectors sometimes break the law, but scammers pretend to be Knight Adjustment Bureau too.
Your Next Steps with Knight Adjustment Bureau
If you found Knight Adjustment Bureau on your credit report, here's what to do today:
- Don't panic. This is fixable.
- Don't pay anything yet. Get the full picture first.
- Get your credit reports from all three bureaus.
- Send a debt validation letter within 30 days.
- Keep detailed records of all communications.
Remember: You have rights. Use them.
The Bottom Line on Knight Adjustment Bureau
Knight Adjustment Bureau collections hurt your credit score, but they're not permanent. I've helped hundreds of clients remove these accounts and rebuild their credit.
The key is taking action quickly and knowing your rights. Don't let a debt collector bully you into paying money you might not even owe.
Need help? Consider working with a qualified credit repair specialist who knows the system. We deal with companies like Knight Adjustment Bureau every day.
Your credit score determines so much: where you live, what you drive, even job opportunities. Don't let one collection account hold you back.
Disclaimer. The information provided in this article is for educational purposes only and is not legal advice. Always consult a licensed professional or certified credit expert before taking action on any debt or credit-related matter.