TrueAccord is a debt collection agency that offers third-party collection services for better relationships and faster recoveries. It is a full-service digital-first debt collection agency licensed to collect in all 50 states. TrueAccord uses machine learning and a consumer-friendly digital experience to handle all delinquency needs from one day past due through charge off. TrueAccord is a legitimate company and not a scam, but it has received negative reviews and complaints from customers. If TrueAccord appears on your credit report, it can impact your ability to qualify for a mortgage, car loan, or credit card in the future. If you want to remove TrueAccord from your credit report, it is possible to do so before the seven-year period, and you may not even have to pay the debt. If you are being harassed by TrueAccord over a debt, you have rights under the law, and you can stop the harassment by contacting a law firm.