BC Services


Is BC Services hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed 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 are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with BC Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • BC Services, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • BC Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • BC Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove BC Services From Your Credit Report Today!

Credit Saint can help you dispute BC Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.