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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Hillcrest Credit Agency Contact Information
Address:
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. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Hillcrest Credit Agency
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Hillcrest Credit Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Hillcrest Credit Agency must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Hillcrest Credit Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Hillcrest Credit Agency From Your Credit Report Today!
Credit Saint offers assistance with disputing Hillcrest Credit Agency collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
