BGE Collections

Updated

Is BGE Collections 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 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?

BGE 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.

(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.

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 can help you dispute BGE Collections 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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