If Bonneville Collections just showed up on your credit report, you’re probably wondering who they are—and how to make them go away. Here’s what you need to know.
Who Is Bonneville Collections?
Bonneville Collections, officially known as Bonneville Billing and Collections, Inc. (BBC), is a third-party debt collection agency headquartered in Ogden, Utah. They also operate regional offices in Boise and Idaho Falls, Idaho, as well as Vancouver, Washington.
If their name appears on your credit report, it means they’re trying to collect on a debt—likely one that was transferred or sold by the original creditor.
Who Does Bonneville Collections Collect For?
Bonneville works with clients across a wide range of industries, including:
- Banking and financial services
- Commercial businesses
- Government agencies
- Healthcare providers
- Utility companies
In most cases, they’ve been hired to collect unpaid bills or defaulted accounts that have gone unresolved.
Is Bonneville Collections a Legitimate Company?
Yes, Bonneville Collections is a real debt collector. They are licensed to collect debts and report them to the credit bureaus. That said, just because a debt shows up doesn’t mean it’s accurate or valid. Always confirm the details before making any payments.
How to Remove Bonneville Collections From Your Credit Report
A collection account can drag down your credit score for up to seven years, even if you pay it off. If you want it gone sooner, here are your main options:
- Dispute inaccurate information: Start by checking for errors and disputing anything that doesn’t look right with the credit bureaus.
- Send a debt validation letter: This forces the collector to prove the debt is yours and that the amount is correct.
- Negotiate a pay-for-delete agreement: You offer to pay (in full or in part) in exchange for them removing the account from your report.
- Hire a credit repair company: If you don’t want to deal with it yourself, a reputable service can handle the process for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Bonneville Collections?
Not right away. First, make sure the debt is legitimate and still within the statute of limitations. Paying an old debt can reset the clock and potentially hurt your score further.
A credit repair professional can help review the account, dispute errors, and negotiate on your behalf if needed. They do this every day and know exactly how to approach companies like Bonneville.
Can Bonneville Collections Sue You or Garnish Your Wages?
They can, but it’s not their first move. If they sue and win, they could get a judgment that allows them to garnish your wages or freeze your bank account. However, most debt collectors would rather settle or set up a payment plan than go to court.
If you receive a legal notice or summons, don’t ignore it. Responding promptly protects your rights and gives you more control over the outcome.
Bonneville Collections Complaints
Like many collection agencies, Bonneville has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate information
- Failing to validate debts
- Harassing phone calls
If you experience anything like this, you have the right to file a complaint and demand fair treatment.
Your Rights Under the FDCPA and FCRA
When dealing with any debt collector, you’re protected by two important federal laws:
- Fair Debt Collection Practices Act (FDCPA): Prohibits threats, harassment, false statements, and unfair practices.
- Fair Credit Reporting Act (FCRA): Gives you the right to dispute errors and request accurate reporting.
Here’s what Bonneville Collections legally cannot do:
- Report inaccurate or unverified information
- Refuse to validate a debt after a written request
- Harass or threaten you
- Misrepresent who they are
- Threaten arrest or criminal charges
You can—and should—hold them accountable if they break these rules.
Bonneville Collections Contact Information
Bonneville Collections – Main Office
6026 S Fashion Point Dr.
Ogden, UT 84403
Additional Offices
8752 W. Overland Rd, Ste 103
Boise, ID 83709
1465 N. Skyline Dr.
Idaho Falls, ID 83402
Mailing Address
P.O. Box 150621
Ogden, UT 84415
Phone
(801) 621-7880
Remove Bonneville Collections From Your Credit Report Today
If you’re dealing with a collections account from Bonneville, don’t wait it out. The longer it stays on your report, the more damage it can do. Credit Saint has helped clients remove millions of negative items—including accounts from Bonneville Collections.
They back their service with a 90-day money-back guarantee if no questionable items are removed.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
