Who is Bay Area Credit Service?
Bay Area Credit Service is a debt collection agency in the US. You may see them listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.
Collection accounts on your credit report can hurt your credit score. In fact, collections can remain on your credit report for up to 7 years. Even if you pay it in full, it’s still considered a negative account and will stay on your credit report as a “paid collection” for 7 years.
Unfortunately, paying the collection may 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 may be able to help you fix your credit and you may not even have to pay any of the debts on your credit report.
Call Lexington Law now to learn more: (800) 220-0084
Should I contact or pay Bay Area Credit Service?
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, it could 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 for millions of clients nationwide.
And they can help you too.
Will Bay Area Credit Service 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 may never hear from or have to deal with Bay Area Credit Service 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 Complaints
Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It’s because of they often report account inaccurately and/or for harassment. If you are being harassed, you should also file 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 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.