Who is Bay Area Credit Service, LLC?
Bay Area Credit Service, LLC (BACS) aka HOVG, LLC is a debt collection agency located in Norcross, Georgia. They provide collection services in the following industries:
- banking & financial services
- healthcare
- insurance
- legal
- manufacturing
- public sector
- publishing
- retail
- telecom
- utility
You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have it removed before 7 years and you may not even have to pay it.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
Bay Area Credit Service, LLC Contact Information
Address:
4145 Shackleford Road Suite 330
Norcross, GA 30093
Mailing address:
PO Box 28130
San Jose, CA 95159
Website: https://www.bayareacredit.com
Phone number: (678) 229-5010 or (800) 697-1234
Should I contact or pay Bay Area Credit Service, LLC?
Nothing good can come from contacting a collection agency. And making payments on the debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.
The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like Bay Area Credit Service, LLC for millions of clients nationwide.
And they can help you too.
Will Bay Area Credit Service, LLC sue me?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the debt and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Bay Area Credit Service, LLC again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
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 complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights and Bay Area Credit Service does too.
Can Bay Area Credit Service collection accounts be removed from my credit report?
Lexington Law specializes in disputing Bay Area Credit Service accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.