BC Services


Is BC Services 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 BC Services?

BC Services, Inc. is a debt collection agency based in Longmont, Colorado. Their primary function is to manage and collect unpaid debts on behalf of their clients.

If BC Services is listed on your credit report as a collections account, it generally means you have an unpaid bill that the company is attempting to collect.

Who does BC Services collect for?

BC Services provides collection services to a wide variety of businesses. Their clients range across numerous sectors, including commercial enterprises, financial service providers, government entities, healthcare institutions, and utility companies.

Is BC Services legit or a scam?

BC Services is indeed a legitimate company. They are authorized to collect debts on behalf of their clients and operate within the boundaries of federal and state laws regarding debt collection.

Nevertheless, it’s essential to exercise caution when dealing with any collection agency. If BC Services claims you owe a debt, it’s important to verify this debt before making any payments.

How can I remove BC Services 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.

BC Services, Inc. Contact Information


BC Services, Inc.
550 Disc Dr
Longmont, CO 80503

Mailing address:

BC Services, Inc.
PO Box 1317
Longmont, CO 80502

Phone number: (303) 532-3500 or (800) 732-0262

Should I contact or pay BC Services?

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 BC Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like BC Services on behalf of their clients.

Will BC Services sue me or garnish my wages?

BC Services, like any debt collection agency, has the legal ability to sue you for an unpaid debt. If the court judgment goes in their favor, they may be granted the ability to garnish your wages or levy your bank account.

However, it’s important to note that suing is typically a last resort for collection agencies due to the time and money it costs to go through legal proceedings. More likely, BC Services will attempt to work out a repayment plan or a settlement with you.

BC Services, Inc. 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 BC Services, Inc.

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 BC Services, Inc. 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.
  • BC Services, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • BC Services 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.
  • BC Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove BC Services From Your Credit Report Today!

Credit Saint can assist you in disputing BC Services 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.

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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.