If Keystone Collections Group is showing up on your credit report, it usually means there’s an unpaid tax bill or other balance they’re trying to collect. Here’s what to know about this company, how they affect your credit, and what steps you can take to get them removed.
Who Is Keystone Collections Group?
Keystone Collections Group is a tax collection agency based in Irwin, Pennsylvania. They work on behalf of local governments, school districts, and other entities to collect unpaid taxes and fees.
If you’ve fallen behind on taxes or certain local bills, you might see Keystone Collections Group listed as a collections account on your credit report.
Who Does Keystone Collections Group Collect For?
Keystone Collections Group primarily collects taxes for municipal and school taxing authorities across Pennsylvania. They focus on:
- Local earned income tax
- Local services tax
- Real estate tax
- Business privilege and mercantile taxes
- Utility bills
- Other local government fees
If you’ve missed payments on any of these, your account may have been turned over to Keystone Collections Group for collection.
Is Keystone Collections Group Legit?
Yes, Keystone Collections Group is a legitimate company. They are authorized to collect debts, particularly unpaid taxes, on behalf of their clients.
Even though they’re a real agency, you should always verify the details of any debt before taking action.
How to Remove Keystone Collections Group From Your Credit Report
Collections can hurt your credit score for up to seven years, but there are ways to address the situation:
- Dispute Errors: Review your credit report for inaccuracies. If the account doesn’t belong to you or the information is incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask Keystone Collections Group to validate the debt. They must provide proof that the debt is yours and the amount is accurate.
- Negotiate a Pay-for-Delete: In some cases, you can offer to settle the debt in exchange for having the account removed from your credit report. Get the agreement in writing before sending any money.
- Get Professional Help: Credit repair services often help people challenge questionable accounts and work to remove negative marks.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Keystone Collections Group?
It’s smart to approach this carefully. Speaking with a tax collection agency or making payments without a clear strategy can restart the statute of limitations or worsen your situation.
Before doing anything:
- Verify the debt details
- Request validation in writing
- Consider working with a professional to handle disputes and negotiations
Many people turn to credit repair experts to avoid mistakes and increase their chances of getting negative accounts removed.
Can Keystone Collections Group Sue You or Garnish Wages?
Yes, Keystone Collections Group has legal tools available to collect unpaid taxes. This may include:
- Filing lawsuits
- Seeking wage garnishments
- Placing liens on property
- Levying bank accounts
These actions depend on state laws and usually happen after other collection efforts fail. Addressing the debt early can help you avoid legal problems.
Keystone Collections Group Complaints
Keystone Collections Group has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Failure to validate debts
- Harassment or aggressive collection tactics
If you believe your rights have been violated, file a complaint and keep records of all communication.
Your Rights When Dealing With Keystone Collections Group
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from abusive practices:
- Keystone Collections Group cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collector attempting to collect a debt
- They cannot threaten arrest or make false legal claims
Knowing your rights helps you deal with collections confidently and legally.
Keystone Collections Group Contact Information
Mailing Address:
Keystone Collections Group
546 Wendel Road
Irwin, PA 15642
Phone Number:
(724) 978-0300
Ready to Get Keystone Collections Group Off Your Credit Report?
If Keystone Collections Group is hurting your credit, you have options. Credit Saint has helped thousands of clients dispute inaccurate accounts and improve their credit history.
They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to get started and take control of your credit today.
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.
