Bay Area Credit Service


Is Bay Area Credit Service hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Bay Area Credit Service?

Bay Area Credit Service, LLC (BACS), also known as HOVG, LLC, is a third-party debt collection agency that is headquartered in Norcross, Georgia.

If Bay Area Credit Service appears on your credit report, it typically indicates that they have assumed responsibility for collecting a debt that you owe. This usually happens when a bill isn’t paid on time and the original creditor either sells the debt or contracts the agency to collect it on their behalf.

Who does Bay Area Credit Service collect for?

Bay Area Credit Service collects debts for companies across a broad spectrum of industries. This includes, but is not limited to:

  • banking & financial services
  • healthcare
  • insurance
  • legal
  • manufacturing
  • public sector
  • publishing
  • retail
  • telecom
  • utility

Is Bay Area Credit Service legit or a scam?

Bay Area Credit Service is a legitimate debt collection company that operates within the laws and regulations governing the debt collection industry. However, like many collection agencies, they may be persistent in their efforts to collect a debt. They might frequently contact you through phone calls, text messages, or emails in their attempts to recover the debt.

How can I remove Bay Area Credit Service from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Bay Area Credit Service Contact Information


Bay Area Credit Service
4145 Shackleford Rd Ste 330
Norcross, GA 30093

Mailing address:

Bay Area Credit Service
PO Box 28130
San Jose, CA 95159

Phone number: (678) 229-5010 or (800) 697-1234

Should I contact or pay Bay Area Credit Service, LLC?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Bay Area Credit Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bay Area Credit Services on behalf of their clients.

Will Bay Area Credit Service, LLC sue me or garnish my wages?

Bay Area Credit Service, LLC does have the right to sue for unpaid debts. If they decide to file a lawsuit and the court rules in their favor, they could be granted a judgment. This may allow them to garnish your wages, levy your bank account, or take other collection actions, depending on your state’s laws.

However, lawsuits are often considered a last resort due to the time, cost, and resources required. Typically, Bay Area Credit Service, LLC will attempt to recover the debt through other methods first, such as phone calls, letters, and possible payment plan arrangements.

If you receive a lawsuit summons, it’s crucial not to ignore it. Failing to respond could result in a default judgment being issued against you, which might grant the debt collector additional rights in their efforts to recover the debt.

Bay Area Credit Service, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Bay Area Credit Service

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Bay Area Credit Service to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Bay Area Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Bay Area Credit Service must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Bay Area Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Bay Area Credit Service From Your Credit Report Today!

Credit Saint can assist you in disputing Bay Area Credit Service accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.