Who is Credit Bureau Associates?
Credit Bureau Associates, Inc. (CBA), also known as Credit Bureau Associates of Georgia, is a debt collection agency. They have multiple locations in Georgia, and their primary role is to collect unpaid debts on behalf of original creditors.
If you have an unpaid bill, it may have been transferred or sold to a collection agency like CBA. As a result, you might see CBA listed on your credit report as a collections account.
Who does Credit Bureau Associates collect for?
Credit Bureau Associates collects on behalf of a variety of industries. Their clientele includes entities in commercial businesses, financial institutions, healthcare providers, and utility companies.
Is Credit Bureau Associates legit or a scam?
Credit Bureau Associates is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by CBA about a debt, it’s crucial to verify the debt before making any payments.
How can I remove Credit Bureau Associates from my credit report?
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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Credit Bureau Associates (CBA) Contact Information
Credit Bureau Associates
321 Main St. S
Tifton, GA 31794
Phone number: (800) 606-2254
Should I contact or pay Credit Bureau Associates?
It’s best to avoid speaking to a collection agency on the phone. 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 Credit Bureau Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Bureau Associates on behalf of their clients.
Will Credit Bureau Associates sue me or garnish my wages?
Credit Bureau Associates, like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt, depending on the laws in your specific jurisdiction.
However, not every collection agency will choose to sue, and not all debts are eligible for these actions. The process of going to court can be expensive and time-consuming, so it is often a last resort for debt collectors.
Credit Bureau Associates (CBA) 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 Credit Bureau Associates
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Credit Bureau Associates 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.
- Credit Bureau Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Bureau Associates 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.
- Credit Bureau Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Bureau Associates From Your Credit Report Today!
Lexington Law can assist you in disputing Credit Bureau Associates collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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