Holloway Credit Solutions

What Holloway Credit Solutions does

Holloway Credit Solutions, LLC is a privately held debt collection agency founded in 1900 as the Credit Bureau of Montgomery by John M. Holloway, operating from its headquarters in Montgomery, Alabama with additional offices in Dothan and Mobile. The company provides third-party bad debt collection services across five core verticals: healthcare, commercial, education, utilities, and retail, serving clients ranging from sole practitioners and small businesses to large hospital systems with more than 1,500 physicians. Holloway positions itself as a compliance-specialist collector, with 100% U.S.-based staff certified in FDCPA, HIPAA, HITECH, FCRA, PCI, and ACA 501(r) regulations, and it has been the first collection agency in Alabama (1964), the first automated credit bureau in the state via TransUnion (1972), and the largest privately held Equifax affiliate (1979).

The company's product portfolio centers on a collection and debt-recovery technology platform with several proprietary components. The flagship technical asset is the 270/271 Batch Eligibility Engine, launched in 2013 with direct connections to several major payers, which scrubs accounts for uncovered primary, secondary, and retroactive insurance coverage. Complementary offerings include a Form 990 Schedule H-compliant Presumptive Charity solution, a customizable reporting package with drill-down and reconciliation reports, and PCI-compliant secure payment infrastructure with 128-bit encryption. The wholly owned subsidiary Account Management Services (AMS), formed in 1997, delivers first-party early-out and active A/R solutions from the provider's business-office perspective. Holloway also offers system integration services, including remote access and site-to-site VPN connections into client systems, and operates an EvokePay-powered consumer payment portal.

Holloway's revenue mechanics are predominantly transaction-fee based across its five verticals, with contingency-style collections pricing that is not publicly disclosed. The only publicly listed price point is the Alabama Home Builders (ALHBLB) credit report at a flat $35.00 per applicant. Distribution is handled through an enterprise field sales motion with dedicated client specialists, supplemented by self-serve consumer payment portals and a B2B credit report ordering portal. Holloway maintains active affiliations with ACA International, HFMA, CDIA, and MGMA to support its thought-leadership positioning, particularly in healthcare revenue cycle management.

Name

Holloway Credit Solutions

Legal name

Holloway Credit Solutions, LLC

Website

https://hollowaycredit.com

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

101–250 employees

Short description

Holloway Credit Solutions is a privately held, Alabama-based debt collection agency founded in 1900 that serves healthcare, commercial, education, utilities, and retail clients across the Southeast U.S. It offers third-party bad debt collections, first-party early-out services, and proprietary batch eligibility and presumptive charity technology supported by a U.S.-based FDCPA-certified workforce.

Ownership category

akta.pro rank

Product category

Debt Collection and Accounts Receivable Management Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

Medical Debt Collection & Revenue Cycle Bad-Debt Recovery (FSAKAJAM), First-Party (In-House) Collections & Servicing (FSAKAJAA), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Collections, Delinquency Management & Bad Debt Recovery (EDALAJAG)

Keywords

• Debt collection services
• Medical receivables management
• First-party early out
• Commercial debt recovery
• Credit reporting services

Headquarters

HQ city

Montgomery

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Third-Party Bad Debt Collection: Collection services for accounts placed by clients after internal recovery attempts have failed. Handles healthcare, commercial, education, utilities, and retail receivables.
2. First-Party Early Out Services: Account Management Services (AMS), a wholly owned subsidiary, provides first-party early out (Active A/R) solutions extending from provider's business office perspective. Includes insurance follow-up and patient responsibility resolution.
3. Insurance Billing & Follow-Up: Dedicated insurance department handling high volumes of claims, including primary, secondary, and retroactive insurance discovery and filing.
4. Credit Reporting Services: ALHBLB (Alabama Home Builders) credit report services with $35 fee per applicant. Commercial credit reporting through Experian Business Credit Services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Holloway Credit Solutions is a debt collection agency that recovers outstanding receivables on behalf of enterprise clients across healthcare, commercial, education, utilities, and retail sectors. Through its wholly owned subsidiary Account Management Services (AMS), it also delivers first-party early-out self-pay and insurance follow-up solutions for healthcare providers. The firm layers proprietary recovery tooling — including a 270/271 batch eligibility engine, a presumptive charity identification module, PCI-compliant payments via Evokepay, and customizable client reporting — on top of 100% U.S.-based, ACA-certified collection staff.

Product overview

Holloway Credit Solutions operates as a debt collection agency offering a unified portfolio of industry-specific collections services for Medical, Commercial, Education, Utilities, and Retail sectors. The core offering includes bad debt third-party collections with specialized sub-products: Account Management Services (AMS) provides first-party self-pay early out services; Batch Eligibility is a proprietary 270/271 eligibility search engine for insurance discovery; Presumptive Charity handles charity write-off analysis; Custom Solutions offers system integration and compliance training; and the ALHBLB Credit Report provides specialized credit reporting for Alabama home builders. The company also provides an Evokepay-powered payment portal for consumer payments. Services are delivered through a U.S.-based, FDCPA-certified staff with PCI-compliant infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• Account Management Services, LLC (AMS): A wholly owned subsidiary providing first-party early out and third-party payor and patient collection services for the healthcare community, approaching recoveries from a client-based, first-party perspective.

Products and services

• Medical Collections (Third-Party Bad Debt) Third-party bad debt collections for healthcare providers ranging from sole practitioners to health systems with more than 1,500 physicians, including eligibility insurance screening, insurance filing, presumptive charity identification, batch eligibility scrubbing, and legal review services for unresolved patient balances.
• Commercial Collections Commercial debt collection services with dedicated senior staff handling each commercial account individually, plus Experian Business Credit Services integration and industry-specific credit group reporting for B2B trade receivables.
• Education Collections Bad-debt collection services for educational institutions from elementary schools to large accredited universities, emphasizing student and parent relationships through flexible payment options and integration with school business office workflows.
• Utilities Collections Utility debt collection services with demographic information verification, customer reactivation focus, web-based client interface, and dedicated specialists handling account balance and payment verification.
• Retail Collections Retail debt collection with flexible consumer credit reporting options and legal process management, including account management monitoring, payment plan tracking, and bankruptcy maintenance designed to recover balances while preserving customer relationships.
• Account Management Services (AMS) – First-Party Early Out First-party early out (Active A/R) and third-party payor collection services for the healthcare community, approaching recoveries from a client-based first-party perspective and delivered through Holloway's wholly owned subsidiary Account Management Services, LLC, focused on patient responsibility resolution and undiscovered insurance balance recovery.
• ALHBLB Credit Report Alabama Home Builders Credit Report service allowing home builder license applicants (new, expired, and renewal) to obtain credit reports at a flat $35.00 per-applicant fee, ordered via the dedicated hba.hollowaycredit.com portal.
• Custom Solutions (System Integration, AR Cleanup, Front-End Training) Bespoke consulting and operational services for clients including system integration, healthcare conversion/AR cleanup projects, and front-end staff training on collection law and regulatory compliance, tailored to the client's workflow.
• 270/271 Batch Eligibility Engine Proprietary 270/271 batch eligibility search engine that scrubs accounts for uncovered primary, secondary, and retroactive health insurance coverage using payor-specific 270 transaction algorithms with real-time eligibility services; launched as part of Holloway's healthcare revenue cycle offering.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core.

• ACA International (American Collectors Association)coreStrategic or Co-development PartnerHolloway maintains active membership and certification affiliation with ACA International. All collection staff must pass ACA certification tests on FDCPA nuances before taking their first phone call.
• HFMA (Healthcare Financial Management Association)coreStrategic or Co-development PartnerActive involvement in HFMA providing healthcare finance professionals with education, resources, and industry updates. Holloway shares HFMA news on company website.
• CDIA (Consumer Data Industry Association)coreStrategic or Co-development PartnerActive membership in CDIA for consumer data reporting industry standards and best practices.
• MGMA (Medical Group Management Association)coreStrategic or Co-development PartnerActive involvement in MGMA for medical practice management resources and healthcare revenue cycle best practices.
• TransUnioncoreTechnology or IntegrationPartnership began in 1972 when Holloway became the first automated credit bureau in Alabama, partnering with TransUnion for credit reporting services.
• EquifaxcoreTechnology or IntegrationHolloway became the largest privately held affiliate of Equifax in 1979, serving as the premier provider of credit related information in the Southeast until 2003.
• ExperiancoreTechnology or IntegrationHolloway offers Experian Business Credit Services as a complete package of B2B transactions. Credit group data reported to Experian Business Credit Services unless otherwise requested.
• Ontario Systems, LLCcoreTechnology or IntegrationThird-party vendor contracted to provide secure online payments processing. Ontario Systems has expertise in online payment systems meeting banking and credit card industry compliance requirements.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• IC System: Privately held third-party collection agency with a multi-vertical mix (healthcare, commercial, education, utilities, retail) very similar to Holloway's segmentation. Comparable in size, customer base, and contingency-fee revenue model.
• Windham Professionals: Third-party debt collection agency serving healthcare, education, government, and commercial clients. Comparable in service breadth, healthcare focus, and contingency-fee collections model.
• ConServe: Healthcare-focused third-party debt collection agency serving hospitals, physician groups, and health systems with contingency and first-party programs. Closely comparable to Holloway in customer base (acute care hospitals and physician practices), service mix (bad debt plus early-out), and compliance-oriented delivery model.
• Transworld Systems: Large third-party debt collection agency offering contingency collections across commercial, healthcare, education, and consumer verticals. Overlaps directly with Holloway's core service lines and B2B sales motion.

Broad incumbents

• Waystar: Healthcare revenue cycle management technology platform serving hospitals and health systems with eligibility, claims, and patient payment solutions. Competes with Holloway's batch eligibility and A/R offerings at the technology layer rather than the contingency-collection layer.
• TransUnion Healthcare: Healthcare division of TransUnion offering patient access, revenue cycle, and analytics solutions to providers. Holloway has a long-standing bureau partnership with TransUnion (since 1972) while operating in overlapping eligibility and A/R workflows.
• PRA Group: Public, large-scale receivables management firm that purchases and collects charged-off consumer portfolios. Comparable customer-facing collections activity but operates at much larger scale and with a different (debt-buying) primary business model.
• Experian Health: Healthcare-focused arm of Experian providing patient access, eligibility, identity management, and collections data to hospitals and health systems. Holloway is both a partner (resells Experian Business Credit Services) and an adjacent competitor in the healthcare data/RCM space.

Regional players

• Hollis Cobb Associates: Southeast US-based third-party debt collection agency with strong healthcare vertical focus. Direct competitor in the same regional footprint and customer segments as Holloway.

Others

• Ontario Systems: Debt collection technology platform and Holloway's third-party payment processing vendor. Operates in the same ecosystem (collections software) but as a technology supplier rather than a contingency-collection competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/9477847

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Holloway Credit Solutions