Who is BGE?
Baltimore Gas and Electric Company, commonly referred to as BGE, is the largest gas and electric utility company in Maryland. It provides service to more than a million electric customers and around 650,000 natural gas customers in an economically diverse, 2,300-square-mile area encompassing Baltimore City and all or part of 10 Central Maryland counties.
BGE might appear on your credit report as a collections account if you have defaulted on payments for your gas or electricity bills. Unpaid bills may be sent to a collection agency, which then attempts to recover the debt from the customer.
How can I remove BGE Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Baltimore Gas and Electric Company Contact Information
Address:
Baltimore Gas and Electric Company
110 W Fayette St.
Baltimore, MD 21201
Phone number: (800) 685-0123
Should I contact or pay BGE Collections?
Making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with BGE Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like BGE Collections on behalf of their clients.
Will BGE Collections sue me or garnish my wages?
BGE or a collection agency acting on its behalf has the ability to sue you for an unpaid debt. However, this action is often considered a last resort, given the cost and time-consuming nature of legal proceedings.
If BGE chooses to sue and the court rules in their favor, the court may grant them a judgment that could lead to wage garnishment or a levy on your bank account, depending on your state’s laws.
BGE Collections 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 BGE Collections
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 BGE Collections 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.
- BGE Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- BGE Collections 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.
- BGE Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove BGE Collection From Your Credit Report Today!
Credit Saint offers assistance with disputing BGE Collections accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
