If Northland Group has shown up on your credit report, your credit score could be suffering. Collection accounts can hurt your chances of getting approved for loans, credit cards, or even renting an apartment. Here’s how Northland Group operates, who they collect for, and how to get them off your credit report.
Who Is Northland Group?
Northland Group, Inc. is a debt collection agency based in Bloomington, Minnesota. They work with financial institutions to recover unpaid debts from individuals. If Northland Group is listed on your credit report, it means an unpaid account was turned over to them for collection.
Who Does Northland Group Collect For?
Northland Group primarily collects debts in the financial sector. Their clients include:
- Banks
- Credit card companies
- Loan providers
- Other financial institutions
If you’ve fallen behind on payments to one of these types of companies, your account may have been sent to Northland Group.
Is Northland Group Legitimate?
Yes, Northland Group is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. But like with any collection agency, always verify the details of the debt before making payments—mistakes can happen.
How to Remove Northland Group From Your Credit Report
A collection account from Northland Group can stay on your credit report for up to seven years, but there are ways to address it:
- Dispute Errors: If the debt is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus to have it removed.
- Request Debt Validation: You have the right to ask Northland Group to prove the debt is valid and belongs to you. If they can’t, they must remove the account.
- Negotiate a Pay-for-Delete: Sometimes, you can offer to settle the debt in exchange for the account being removed from your credit report. Always get the agreement in writing before paying.
- Work With a Credit Repair Company: Credit experts can help dispute negative items like collections, improving your odds of removal.
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Should You Contact or Pay Northland Group?
Before reaching out to Northland Group or making a payment, make sure the debt is legitimate and reported correctly. Sometimes, debts are listed in error or may be beyond the legal time limit for collection.
Be cautious—paying an old debt can restart the reporting period, keeping it on your credit report longer.
If you’re unsure how to proceed, working with a credit repair company can help you handle the situation the right way.
Northland Group Contact Information
- Address:
Northland Group, Inc.
7831 Glenroy Road, Suite 250
Bloomington, MN 55438 - Phone Number: (800) 800-8191
Complaints About Northland Group
Like many collection agencies, Northland Group has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information on credit reports
- Harassment or repeated phone calls
- Failure to properly validate debts
If you experience these issues, you can file a complaint and take steps to protect your rights.
Your Rights When Dealing With Northland Group
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors like Northland Group. Here’s what those protections include:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of being contacted.
- Harassment, threats, or abusive language is prohibited.
- They must clearly state they are a debt collector during calls and in writing.
- They cannot threaten arrest or legal action they aren’t legally allowed to take.
Can Northland Group Sue You or Garnish Your Wages?
Yes, Northland Group has the legal ability to sue over unpaid debts. If they take you to court and win, they could garnish your wages or levy your bank account, depending on your state’s laws.
Lawsuits are usually a last resort, but it’s important to take collection notices seriously to avoid legal action.
Remove Northland Group From Your Credit Report Today
Struggling with a collection account from Northland Group? You don’t have to deal with it alone. Credit Saint helps people challenge negative items like collections from Northland Group. With over 15 years of experience, they’ve assisted thousands of clients in improving their credit. They even offer a 90-day money-back guarantee for peace of mind.
Want to take control of 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.
