Who is Credit Collections USA?
Credit Collections USA (CCUSA) is a debt collection agency based in Morgantown, West Virginia. They are responsible for pursuing payments of debts owed by individuals or businesses.
Operating in several states, including Florida, Maryland, Ohio, Pennsylvania, Virginia, and West Virginia, they may appear on your credit report as a collections account if you have an unpaid bill.
Who does Credit Collections USA collect for?
Credit Collections USA provides collection services to a variety of industries. These can include florists, healthcare providers, internet service providers, pharmacies, retail businesses, utility companies, and veterinary practices.
Essentially, any business or entity that extends credit or loans to customers might employ a company like Credit Collections USA to recover money owed to them.
Is Credit Collections USA legit or a scam?
Credit Collections USA, LLC 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 Credit Collections USA 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.)
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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.
Credit Collections U.S.A., LLC Contact Information
Credit Collections U.S.A.
16 Distributor Dr. Ste 1
Morgantown, WV 26501
Phone number: (304) 292-3818 or (800) 228-3048
Should I contact or pay Credit Collections USA?
It’s best to avoid speaking to a debt collector 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 a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Collections USA on behalf of their clients.
Will Credit Collections USA sue me or garnish my wages?
Credit Collections USA, does have the legal right to sue you for an unpaid debt. If they win the lawsuit, they might receive a judgment from the court which could potentially allow them to garnish your wages or take other collection actions depending on the laws of your state.
However, it’s also crucial to note that not every collection agency chooses to go this route, as it can be time-consuming and costly. Often, they would rather work with you to establish a repayment plan.
Credit Collections USA 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 Collections USA
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collection agency 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 Credit Collections USA to report inaccurate or incomplete information about you to the credit bureaus.
- 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 Collections USA may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Collections USA 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 Collections USA cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Collections USA From Your Credit Report Today!
Credit Saint can assist you in disputing Credit Collections USA 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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