What Is USI Solutions Inc On My Credit Report?
USI Solutions Inc 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 USI Solutions Inc A Debt Collection Agency?
Yes, USI Solutions Inc 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").
USI Solutions Inc 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 USI Solutions Inc Collect For?
USI Solutions Inc 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 USI Solutions Inc Hurt My Credit Score?
Yes, it is highly likely having USI Solutions Inc on your credit report is damaging your score significantly.
Understanding the Impact of USI Solutions Inc on Your Credit Score
Having USI Solutions Inc appear on your credit report can be extremely damaging and may lead to a lower credit score that can last for up to 7 years. This can limit your ability to take out loans, get approved for credit cards, or even rent an apartment. Additionally, having a collections account on your report could result in higher interest payments on any loans or credit cards you're able to obtain.
The good news is that Credit Sage can help you remove USI Solutions Inc from your credit report and improve your credit score. With our track record of success, we specialize in disputing negative items from credit reports and have been able to help many of our clients significantly improve their financial future.
What to do if USI Solutions Inc Sues You For the Debt
Even though it's unlikely that USI Solutions Inc will sue you for the debt, it's still important to be prepared. If you receive a summons or other legal notice, take it seriously and respond promptly. Otherwise, a default judgment may be entered against you, which could lead to wage garnishment or seizure of assets.
If you are ever sued by USI Solutions Inc, make sure to get legal advice as soon as possible. An experienced lawyer can help you understand your options and possibly negotiate a settlement or other resolution on your behalf.
How Do I Remove USI Solutions Inc From My Credit Report?
To be eligible to remove USI Solutions Inc 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 USI Solutions Inc?
Paying off USI Solutions Inc 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 USI Solutions Inc?
Settling your debt with USI Solutions Inc 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 USI Solutions Inc Legit, Fake Or A Scam?
USI Solutions Inc 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.
Why Do USI Solutions Inc Keep Calling Me?
USI Solutions Inc 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 USI Solutions Inc To Stop Calling Me?
As we’ve mentioned above, USI Solutions Inc 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.
USI Solutions Inc Reviews And Complaints
USI Solutions Inc has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will USI Solutions Inc Try Suing Or Garnishing My Wages?
USI Solutions Inc 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.
Does USI Solutions Inc Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, USI Solutions Inc does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With USI Solutions Inc?
You have the right to dispute any of your debt that USI Solutions Inc has purchased. USI Solutions Inc 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 USI Solutions Inc Phone Number?
You likely want to call Credit Sage before deciding whether or not to call USI Solutions Inc. The reason? You may not want to pay USI Solutions Inc debt, especially if it's inaccurate. Paying it off could hurt your score.
Get USI Solutions Inc 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.