Who is The Bureaus, Inc.?
The Bureaus, Inc. is a debt collection agency that operates out of Northbrook, Illinois. Founded in 1928, the company has been involved in the recovery of outstanding debts for nearly a century.
If The Bureaus, Inc. is listed on your credit report as a collections account, it’s likely that you have an unpaid debt that was transferred or sold to this agency.
Who does The Bureaus, Inc. collect for?
The Bureaus, Inc. operates across various sectors, specializing in debt recovery for lenders and credit card issuers, such as Capital One.
Is The Bureaus, Inc. legit or a scam?
The Bureaus, Inc. is a legitimate company. They are authorized to collect debts 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 The Bureaus 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.
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The Bureaus, Inc. Contact Information
Address:
The Bureaus, Inc.
650 Dundee Rd Suite 370
Northbrook, IL 60062
Phone number: (877) 887-4824
Should I contact or pay The Bureaus?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 a collection agency like The Bureaus is to work with a credit repair professional. They help remove millions of negative items every year from companies like The Bureaus, Inc. on behalf of their clients.
Will The Bureaus sue me or garnish my wages?
The Bureaus, Inc., like any debt collection agency, is entitled to sue you over an unpaid debt. If they file a lawsuit and win a judgment against you, they may be able to garnish your wages or take other collection actions, depending on the laws in your state.
However, it’s important to understand that most collection agencies view lawsuits as a last resort, primarily due to the time and cost involved. They would usually prefer to work out a repayment plan or a settlement with you.
The Bureaus, Inc. 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 The Bureaus, Inc.
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 The Bureaus, Inc. 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.
- The Bureaus, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- The Bureaus, Inc. 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.
- The Bureaus, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove The Bureaus From Your Credit Report Today!
Credit Saint offers assistance with disputing The Bureaus 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.
