Hillcrest Credit Agency


Is Hillcrest Credit Agency 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 Hillcrest Credit Agency?

Hillcrest Credit Agency is a debt collection agency based in Bowling Green, Kentucky. They recover debts on behalf of businesses from individuals who have failed to make necessary payments.

If you notice Hillcrest Credit Agency on your credit report, it signifies that an outstanding bill was transferred to their agency for collection purposes.

Who does Hillcrest Credit Agency collect for?

Hillcrest Credit Agency collects for various types of companies. Their client base includes hospitals, physicians, dentists, chiropractors, veterinarians, utility companies, waste disposal companies, and financial institutions.

Is Hillcrest Credit Agency legit or a scam?

Hillcrest Credit Agency is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Hillcrest Credit Agency 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?

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.

Hillcrest Credit Agency Contact Information


Hillcrest Credit Agency
1953 Scottsville Road Suite 100
Bowling Green, KY 42104

Phone number: (800) 240-3181 or (270) 745-1470

Should I contact or pay Hillcrest Credit Agency?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will Hillcrest Credit Agency sue me or garnish my wages?

Hillcrest Credit Agency has the right to sue you for unpaid debts under U.S. law. If they win a judgment against you in court, they may be able to garnish your wages or levy your bank account to recover the amount owed. However, it’s crucial to note that before reaching this stage, they are typically required to provide you with a notice and an opportunity to dispute the debt.

Hillcrest Credit Agency 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 Hillcrest Credit Agency

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 Hillcrest Credit Agency 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.
  • Hillcrest Credit Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Hillcrest Credit Agency 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.
  • Hillcrest Credit Agency cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Hillcrest Credit Agency From Your Credit Report Today!

Credit Saint can assist you in disputing Hillcrest Credit Agency 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.