Universal Credit Services On Your Credit Report?

March 26, 2023

Universal Credit Services 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 Universal Credit Services from your report - without paying your debt (potentially)

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Who is Universal Credit Services?

Universal Credit Services has been an active debt collection agency for over two decades. They specialize in collecting debts for a broad range of industries such as financial institutions, healthcare providers, telecommunications companies, and government departments. Universal Credit Services offers diverse debt collection services including credit card bills, medical bills, personal loans and utility bills.

Who Does Universal Credit Services Collect for?

Universal Credit Services provides debt collection services for a wide range of industries - healthcare providers, financial institutions, telecommunications firms and government entities. They work with these entities to recover unpaid debts.

Is Universal Credit Services A Legit Company?

Universal Credit Services is a legitimate business and not a scam, but their debt collection practices have drawn complaints from customers. Allegations of harassment via phone calls, lack of debt verification, and aggressive collection tactics have been made against them. It is worth noting that Universal Credit Services must comply with the Federal Debt Collection Practices Act (FDCPA), which sets the rules for the actions allowed during debt collection. If you have any concerns about their methods, you can directly contact Universal Credit Services or seek assistance from credit repair experts such as Credit Glory.

Need Help With Universal Credit Services?

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

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How to Remove Universal Credit Services From Your Credit Report

Eliminating Universal Credit Services from your credit report is feasible by following the below steps:

  • Requesting a copy of your credit report across all three major credit bureaus, i.e., Equifax, Experian, and TransUnion.
  • Scrutinize the report meticulously and detect any linkages with Universal Credit Services.
  • In case of any errors or incorrect information, report a dispute to the concerned credit bureau via online or mail.
  • The credit bureau will investigate the matter and verify it with Universal Credit Services.
  • If the information is deemed invalid or unverifiable, it will be eradicated from your credit report.
  • Monitor your credit report periodically to ensure the deletion of the entry.

It is critical to acknowledge that the removal of genuine debt from your credit report is not viable. The debt would stay registered on the report for up to seven years. In this scenario, you may negotiate a settlement or payment plan with Universal Credit Services to settle the debt and enhance your credit score.

Why Does Universal Credit Services Keep Calling Me?

If you're receiving phone calls from Universal Credit Services, it's likely because you possess unpaid debts that they intend to retrieve on behalf of the creditor. While receiving persistent calls can be vexing, it's vital to recollect that Universal Credit Services operates within legal boundaries.

Under the FDCPA, debt collectors are barred from harassing or intimidating consumers in the pursuit of debt collection. This means they cannot call at odd hours, utilize aggressive or abusive language, or provide false statements concerning the debt.

If you're receiving calls from Universal Credit Services that violate the FDCPA, you possess the right to dispute the debt and register a complaint with the Consumer Financial Protection Bureau (CFPB).

What Are the Most Common Errors on Credit Reports?

Credit reports can be faulty and consist of errors that can adversely affect your credit score. Some of the most common errors include:

  • Incorrect personal information, such as name, address, or social security number
  • Accounts that do not belong to you
  • Late payments that were made on time
  • Accounts listed as "in collections" that have been paid off
  • Incorrect balances on accounts
  • Fraudulent accounts or accounts opened without your permission

It's imperative to audit your credit report periodically and challenge any inaccurate entries. You can carry out this process once a year free of cost with each of the three major credit bureaus- Equifax, Experian, and TransUnion. Rectifying errors on your credit report can assist in bolstering your credit score and overall financial well-being. Reach out to Credit Glory for assistance with locating and dispuring these errors.

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We've helped thousands of people remove errors from their report to get mortgages, auto loans, and so much more.

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What Are the Benefits of Having a Great Credit Score?

Having a strong credit score has multiple advantages, including:

  • Lower interest rates on loans and credit cards
  • Higher credit limits
  • Simpler approval for house leases and mortgages
  • Improved insurance premiums
  • Advanced employment prospects
  • Amplified negotiation power

It’s also important to note that having a high credit score for many years will save you thousands of dollars due to the low interest rates you will qualify for.

A good credit score is usually gauged to be above 720. To secure and sustain a high credit score, it's essential to pay bills on time, retain low balances on your credit cards, and prevent opening numerous accounts concurrently. Repeatedly inspecting your credit report and challenging any discrepancies can also aid in improving your score.

What Are My Rights When Dealing With Universal Credit Services?

If you are dealing with Universal Credit Services, it is imperative to be familiar with your rights as a consumer. Under the Fair Credit Reporting Act (FCRA), you have the right to obtain a duplicate of your credit report per annum, and if you refute any information, the credit bureaus must scrutinize and correct any mistakes.

The FDCPA (Fair Debt Collection Practices Act) dictates that debt collectors should observe certain regulations when trying to collect a debt. They cannot irritate, threaten, or utilize hostile language with you. You have the right to request validation of the debt, which involves demanding Universal Credit Services to offer evidence that you owe the debt.

Can Universal Credit Services Sue or Garnish my Wages?

Universal Credit Services has the right to sue individuals to recover debt, which may result in wage garnishments if they get a court ruling authorizing them to do so. It is critical to remember that Universal Credit Services must observe particular legal steps, such as procuring a court order, before initiating wage garnishment. 

Additionally, there are certain exemptions that could potentially guard part of your salary from being deducted. If you are distressed about possible wage deduction, it is imperative to look for legal counsel and review all accessible alternatives. It is also endorsed to collaborate with a credit repair firm like Credit Glory, who can help you pass through the procedure and possibly come up with a resolution with Universal Credit Services.

Need Help With Universal Credit Services?

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

Call (844) 656-0790

Tap to call

Remove Universal Credit Services From Your Credit Report, Today!

If Universal Credit Services has impaired your credit score, it is time to do something. At Credit Glory, we present an absolutely free credit consultation to evaluate your credit condition and create a custom plan to improve it. Our team of specialists will collaborate with you to erase any inaccuracies, errors, or counterfeit accounts from your credit report, including those erupted from Universal Credit Services. Don't let an error on your credit report impede you from achieving success. Connect with us today and take the first step towards monetary freedom.