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.

(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.

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

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 BGE Collections

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • BGE Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • BGE Collections 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.
  • BGE Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove BGE Collection From Your Credit Report Today!

Credit Saint can assist you in disputing BGE Collections 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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