United Collection Bureau On Your Credit Report?

March 30, 2023

United Collection Bureau is a debt collection company

You may not have to pay your debt (paying it may hurt your score)

Call now to find out if you can remove United Collection Bureau from your report - without paying your debt (potentially)

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Who is United Collection Bureau?

When grappling with unpaid debts, it can be overwhelming to receive calls from a debt collection agency such as United Collection Bureau (UCB). UCB focuses on collecting delinquent dues across a range of industries, such as:

  • Healthcare
  • Telecommunications
  • Utilities
  • Financial services

Should you find yourself in this position, it's essential to be informed of your rights and take measures to secure your financial stability.

Who is United Collection Bureau's Collecting Debt For?

Unpaid debts from various industries, such as healthcare, telecommunications, utilities, and financial services, are some of the types purchased by United Collection Bureau. In fact, they've even collaborated with Verizon, AT&T, and Capital One to collect on these debts on their behalf. If UCB makes contact with you, it's vital to be aware of your rights and to take the necessary steps to protect your financial wellbeing.

Is United Collection Bureau Scamming Me?

It's worth noting that United Collection Bureau is a legitimate debt collection agency–though consumer complaints have been filed against them in the past. Understandably, UCB must adhere to all legal guidelines and protocols when trying to collect your debt. However, it's essential to stay informed about your rights and take steps to protect your financial wellbeing if UCB contacts you.

Need Help With United Collection Bureau?

Speak with one of our friendly Credit Specialists to find out how we can help you.

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Can I Remove United Collection Bureau From My Credit Report?

If you spot an account from United Collection Bureau on your credit report, it's crucial to take action and address the issue.

Start by thoroughly reviewing your credit report and looking for any inaccuracies or errors.

If you find any issues, gather supporting documentation and make a note of them, then dispute the errors with UCB. If the debt is valid, negotiate a pay-for-delete agreement with UCB. However, keep in mind that not all debt collectors will agree to this arrangement. Get the agreement in writing and keep a copy for your records. If UCB refuses to agree or you believe there is an error on your credit report, file a dispute with the credit bureaus.

You must provide supporting documentation to explain the error to the credit bureau, which will contact UCB for verification. If UCB cannot provide proof that the debt is valid, the credit bureau will remove the negative information from your credit report.

Consider working with a credit repair company like Credit Glory if you're having trouble navigating the process or want to ensure that you're taking the most effective steps to remove UCB from your credit report. Our professionals have the knowledge and expertise to assist you in removing negative items from your credit report and improving your credit score.

Why is United Collection Bureau Calling Me Over and Over?

It can be understandably stressful to receive frequent calls from United Collection Bureau due to the fact that you owe them a debt for collection. While it is within their legal rights to contact you, there are certain restrictions placed on them when doing so by the Fair Debt Collection Practices Act (FDCPA). If you want to prevent any communication from UCB in future, you have every right to send them a cease and desist letter. For maximum efficiency, it's best to send this request via certified mail so that there is a record of receipt.

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What Are the Most Common Complaints About United Collection Bureau?

Although United Collection Bureau is a legitimate debt collection agency, there have been numerous complaints filed against them. These include:

  • Harassment
  • Attempting to collect debts that are not owed
  • Failing to provide evidence of debt
  • Providing false information to credit bureaus

If you're experiencing any of these issues with UCB, it's essential to protect yourself and understand your rights. You can seek legal advice or file a formal complaint with the Consumer Financial Protection Bureau (CFPB) to address these concerns.

It's crucial to take action and protect yourself from any unfair treatment or practices by UCB. Don't hesitate to explore your options and secure your rights.

Can United Collection Bureau Garnish My Wages?

If United Collection Bureau is successful in winning a lawsuit against you, they might have the potential to garnish your wages. The regulations surrounding wage garnishment vary by state but typically limit the amount creditors can garnish to no more than 25% of your disposable income. To protect yourself against this possibility, it's important to become knowledgeable on the specific laws and regulations governing wage garnishment in your state. Additionally, seeking legal advice may help you safeguard your financial situation.

What Are My Rights When Dealing with United Collection Bureau?

If you're dealing with debt collectors like United Collection Bureau, it can be a highly stressful situation. It's important to know your rights as outlined in the Fair Credit Reporting Act (FCRA) and the FDCPA. The FCRA allows you to access and contest any errors on your credit report, as well as requesting for outdated information to be removed. Credit reporting agencies must also ensure that all data provided is accurate.

The FDCPA lays out clear procedures for debt collectors to follow which includes restricting the use of abusive or unreasonable language, and not deceiving you about the amount or nature of the debt. Should you feel that these provisions have been violated by UCB or any other collector, filing a complaint with the CFPB and the Better Business Bureau are some options worth considering.

Need Help With United Collection Bureau?

Speak with one of our friendly Credit Specialists to find out how we can help you.

Call (844) 656-0790

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Remove United Collection Bureau From Your Credit Report, Today!

If you're dealing with an account placed in collections with United Collection Bureau, it may negatively affect your credit score and create issues in the future. Luckily, Credit Glory is dedicated to helping you maintain a healthy credit score and offers various services that can help minimize the impact of United Collection Bureau's involvement, such as:

  • Examining your credit report for any mistakes or fraudulent activity
  • Disputing erroneous information on your behalf to ensure it is removed from your report
  • Providing tips and guidance to increase or maintain a great credit rating

Give us a call today and start working towards a secure financial future.