If HP Sears appears on your credit report, it likely means an unpaid debt has been sent to collections. These accounts can lower your credit score and make it harder to qualify for loans, credit cards, or even rental housing.
Here’s how to deal with HP Sears and take steps to get them removed from your credit report.
Who Is HP Sears?
HP Sears, also known as Herbert P. Sears Co., Inc., is a debt collection agency based in Bakersfield, California. They work with businesses across several industries to collect overdue debts. If your account has been turned over to them, you may see their name listed on your credit report as a collection account.
Who Does HP Sears Collect For?
HP Sears provides debt collection services for a range of industries, including:
- Commercial and B2B accounts – Overdue invoices and unpaid business debts
- Financial institutions – Defaulted loans and credit card debts
- Healthcare providers – Unpaid medical bills and treatment costs
- Retail businesses – Credit card or retail loan balances
If you’ve fallen behind on payments in any of these areas, HP Sears may be the agency contacting you to collect.
Is HP Sears a Scam?
No, HP Sears is not a scam. They are a legitimate, licensed debt collection agency authorized to collect debts on behalf of their clients. However, always verify the debt before making a payment. Mistakes happen, and incorrect or outdated information can appear on your credit report.
How to Remove HP Sears from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You can ask HP Sears to provide written proof the debt is valid. If they can’t, they must stop reporting the account.
- Negotiate a pay-for-delete: In some cases, you may be able to settle the debt in exchange for having the account removed. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay HP Sears?
Before contacting HP Sears or making a payment:
- Confirm the debt belongs to you
- Verify the amount is accurate
- Know your rights under your state’s laws, including the statute of limitations
Paying a debt without a clear strategy can sometimes restart the collection timeline and hurt your credit further. Many people work with credit repair experts to manage the process properly.
Can HP Sears Sue You or Garnish Your Wages?
Yes, HP Sears has the legal right to sue for unpaid debts. If they win the lawsuit, they may:
- Garnish your wages
- Levy your bank accounts
The ability to take these actions depends on your state’s laws. Lawsuits are generally a last resort, as most collection agencies try to negotiate payment plans or settlements before pursuing legal action.
HP Sears Contact Information
Address:
Herbert P. Sears Co., Inc.
2000 18th Street
Bakersfield, CA 93301
Phone Numbers:
(661) 283-0200
(888) 766-5981
HP Sears Complaints
Like many debt collectors, HP Sears has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive phone calls
- Failure to verify debts
If you believe your rights are being violated, you can file a formal complaint and take steps to protect yourself.
Your Rights When Dealing with HP Sears
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves as a collection agency
- They cannot threaten arrest or legal actions they aren’t authorized to take
Understanding your rights makes it easier to handle collections and protect your credit.
Get HP Sears Removed from Your Credit Report
If HP Sears is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
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.
