Seeing Hillcrest Credit Agency on your credit report can be stressful. A collection account has the potential to lower your credit score for up to seven years—even if you pay it. But there are ways to handle it and possibly get it removed.
Who Is Hillcrest Credit Agency?
Hillcrest Credit Agency is a legitimate debt collection company based in Bowling Green, Kentucky. They work with businesses to collect unpaid debts from consumers. If their name shows up on your credit report, it means a creditor sent your account to them for collection.
Who Does Hillcrest Credit Agency Collect For?
Hillcrest Credit Agency collects debts for a wide range of companies, including:
- Healthcare providers: Hospitals, doctors, dentists, chiropractors, and veterinarians
- Utilities: Electric, water, and waste disposal companies
- Financial institutions: Banks, lenders, and other financial service providers
If you have unpaid bills with any of these types of businesses, they may have hired Hillcrest Credit Agency to collect on their behalf.
Is Hillcrest Credit Agency Legitimate?
Yes, Hillcrest Credit Agency is a real, legally operating debt collector. They are authorized to collect debts for their clients. That said, always confirm that any debt they claim you owe is valid before making a payment.
How to Remove Hillcrest Credit Agency From Your Credit Report
A collection account can damage your credit score, so addressing it quickly is important. Here are the most common ways to get it removed:
- Dispute inaccuracies: If there are errors with the account details—such as the balance, dates, or ownership—you can file a dispute with the credit bureaus. They are required to investigate and correct any inaccurate information.
- Request debt validation: You have the right to ask Hillcrest Credit Agency to prove the debt is yours and that the amount is correct. If they can’t validate the debt, they must stop collecting and remove it from your credit report.
- Negotiate a pay-for-delete: In some cases, you may be able to offer a payment in exchange for having the account deleted from your credit report. Get any agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals deal with debt collectors every day and may be able to help you get collections removed.
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Should You Contact or Pay Hillcrest Credit Agency?
Before contacting any debt collector, make sure the debt is accurate and still valid. Sometimes, credit reports show old or incorrect information. Be aware that making a payment can reset the statute of limitations, which could give the collector more time to take legal action.
If you’re unsure how to proceed, working with a credit repair company can take the pressure off. They handle the process and help protect your credit.
Will Hillcrest Credit Agency Sue You or Garnish Your Wages?
Debt collectors like Hillcrest Credit Agency can sue you to recover unpaid debts. If they win in court, they could garnish your wages or take money from your bank account. However, they must first notify you and give you a chance to dispute the debt.
Ignoring collection attempts could increase your risk of legal action. It’s always better to respond and understand your rights.
Hillcrest Credit Agency Complaints
It’s common for debt collectors to have complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Complaints often involve:
- Inaccurate information on credit reports
- Harassment or excessive phone calls
- Failure to provide proper debt validation
If you feel your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Hillcrest Credit Agency
You have legal protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws help ensure debt collectors treat you fairly.
Here’s what Hillcrest Credit Agency cannot do:
- Report false or incomplete information about you
- Harass, threaten, or use obscene language
- Call repeatedly or outside reasonable hours
- Misrepresent who they are or their purpose
- Threaten arrest or jail time for unpaid debts
You also have the right to:
- Request debt validation within 30 days of their first contact
- Dispute incorrect information on your credit report
- Be treated respectfully throughout the process
Hillcrest Credit Agency Contact Information
If you decide to communicate with them, here’s how to reach them:
Hillcrest Credit Agency
1953 Scottsville Road, Suite 100
Bowling Green, KY 42104
Phone: (800) 240-3181 or (270) 745-1470
Always keep records of any communication with debt collectors and avoid making verbal agreements.
Remove Hillcrest Credit Agency From Your Credit Report Today
If dealing with collection agencies feels overwhelming, consider working with a trusted credit repair company. Credit Saint has helped thousands of people dispute collection accounts, errors, and other negative items on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Taking action today could help you improve your credit and move forward with confidence.
Visit their website or call (855) 281-1510 to learn more.
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.
