Bull City Financial


Is Bull City Financial 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 Bull City Financial?

Bull City Financial Solutions, Inc. (BCFS) is a debt collection agency situated in Durham, North Carolina. Their core business revolves around helping creditors recover funds that have been unpaid by consumers.

If Bull City Financial Solutions is listed on your credit report as a collections account, it likely means that you have an unresolved debt that BCFS is trying to collect.

Who does Bull City Financial collect for?

Bull City Financial Solutions provides debt collection services to a wide range of industries. These include the communications, education, financial, government, healthcare, retail, and utility sectors. Their clients span from large corporations to government bodies and institutions, all of whom rely on BCFS to handle the collection of unpaid debts.

Is Bull City Financial legit or a scam?

Bull City Financial is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Bull City Financial from my credit report?

Bull City Financial 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.

Bull City Financial Solutions, Inc. Contact Information


Bull City Financial Solutions, Inc.
2609 N Duke St. Ste 500
Durham, NC 27704

Phone number: (800) 489-7999

Should I contact or pay Bull City Financial Solutions?

Nothing good can come from speaking to a debt collector. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Bull City Financial Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bull City Financial on behalf of their clients.

Will Bull City Financial sue me or garnish my wages?

Bull City Financial Solutions has the legal right to file a lawsuit against you if you fail to pay a legitimate debt. If they win the case and receive a judgment against you, they could potentially garnish your wages or levy your bank account, depending on your state’s laws.

However, it’s important to note that lawsuits are often a last resort for debt collection agencies. The process can be expensive and time-consuming, so these agencies generally prefer to work out payment arrangements or settlements.

Bull City Financial Solutions, Inc. 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 Bull City Financial Solutions, Inc.

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

Remove Bull City Financial From Your Credit Report Today!

Credit Saint can assist you in disputing Bull City Financial collection 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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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.