United Collection Bureau On Your Report?

Last Updated: Apr 06, 2023

  • United Collection Bureau is a debt collection company (that's likely hurting your credit score)
  • You may be able to remove them from your report, without paying your debt
  • Call us now to find out how!

What Is United Collection Bureau On My Credit Report?

United Collection Bureau is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.

Is United Collection Bureau A Debt Collection Agency?

Yes, United Collection Bureau is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").

United Collection Bureau may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.

But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.

Who Does United Collection Bureau Collect For?

United Collection Bureau purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.

Does United Collection Bureau Hurt My Credit Score?

Yes, it is highly likely having United Collection Bureau on your credit report is damaging your score significantly.

How to Deal with United Collection Bureau Calls and Letters

Navigating the world of debt collection can be a stressful experience, but it's important to remember that you have rights. Here are some tips on how to handle United Collection Bureau calls and letters:

  • Stay calm and collected

Speak professionally with debt collectors and keep records of any conversations you have.

  • Seek professional help if necessary

If the situation becomes too overwhelming, don’t hesitate to seek professional help from a credit repair company like Credit Sage to help restore your credit score back to its original standing.

How to Avoid Collections with United Collection Bureau

Avoiding collections from United Collection Bureau can be a daunting process, but there are steps that you can take to achieve this. Here are some tips on how to keep yourself out of the collections process:

Keep track of your debts and make sure all payments required are made on time. To aid in this, setting reminders or automating payments is recommended.

Reach out to creditors quickly if payments become difficult. They may be able to provide assistance by creating a payment plan that suits your budget.

Limit credit utilization (below 30%) so as to avoid overextending yourself and falling behind on payments.

Seek professional help if necessary, such as from a credit repair service like Credit Sage who can provide you with advice on how to regain financial stability and remain out of collections in the future.

Looking for help with United Collection Bureau?

How Do I Remove United Collection Bureau From My Credit Report?

To be eligible to remove United Collection Bureau from your credit report, you typically need to meet the following requirements:

  • Any information on the account is incorrect
  • Any information on the account is error’d
  • Any information on the account is fraudulent
  • And is not (or cannot be) fixed in an appropriate amount of time

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.

Should I Pay For Delete With United Collection Bureau?

Paying off United Collection Bureau to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.

Should I Negotiate A Settlement With United Collection Bureau?

Settling your debt with United Collection Bureau could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).

Is United Collection Bureau Legit, Fake Or A Scam?

United Collection Bureau is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.

Looking for help with United Collection Bureau?

Why Do United Collection Bureau Keep Calling Me?

United Collection Bureau continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).

How To Get United Collection Bureau To Stop Calling Me?

As we’ve mentioned above, United Collection Bureau will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.

United Collection Bureau Reviews And Complaints

United Collection Bureau has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.

Will United Collection Bureau Try Suing Or Garnishing My Wages?

United Collection Bureau suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.

We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.

Looking for help with United Collection Bureau?

Does United Collection Bureau Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Based on our years of experience dealing with companies like this, United Collection Bureau does not accept goodwill letters to remove collection accounts or charge offs.

What Are My Rights When Dealing With United Collection Bureau?

You have the right to dispute any of your debt that United Collection Bureau has purchased. United Collection Bureau is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.

What Is United Collection Bureau Phone Number?

You likely want to call Credit Sage before deciding whether or not to call United Collection Bureau. The reason? You may not want to pay United Collection Bureau debt, especially if it's inaccurate. Paying it off could hurt your score.

Get United Collection Bureau Removed From Your Report, Today!

In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.

Looking for help with United Collection Bureau?

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