If The Bureaus, Inc. is listed on your credit report, it could lower your credit score and make it harder to get approved for loans, credit cards, or other accounts. Here’s what you should know and how to get them removed from your credit report.
Who Is The Bureaus, Inc.?
The Bureaus, Inc. is a debt collection agency based in Northbrook, Illinois. Founded in 1928, they’ve been involved in debt recovery for nearly a century.
If they appear on your credit report, it typically means an unpaid account has been transferred or sold to them for collection.
Who Does The Bureaus, Inc. Collect For?
The Bureaus, Inc. primarily works with:
- Credit card issuers, such as Capital One
- Lenders across various industries
If you’ve missed payments on a loan or credit card, your account may have ended up with The Bureaus for collection.
Is The Bureaus, Inc. Legitimate?
Yes, The Bureaus, Inc. is a legitimate debt collection company. They are authorized to collect debts for other businesses. But even with legitimate collectors, always verify the debt before making payments.
Mistakes on credit reports happen often, so it’s important to confirm the details.
How to Remove The Bureaus From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to remove them sooner:
- Dispute the Account: If the information is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this yourself or with a credit repair service.
- Negotiate a Pay-for-Delete: You may be able to negotiate with The Bureaus to have the account removed in exchange for payment. Always get any agreement in writing.
- Work With a Credit Repair Company: Credit repair experts regularly challenge collection accounts and know how to help improve your credit.
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 The Bureaus, Inc.?
Before you contact The Bureaus or make a payment:
- Verify the debt belongs to you.
- Confirm the amount is correct.
- Be aware that making payments may restart the statute of limitations in some states.
Many people work with credit repair professionals to handle collection accounts like The Bureaus, Inc.
Can The Bureaus, Inc. Sue You or Garnish Wages?
Yes, The Bureaus, Inc. has the legal right to sue you over unpaid debts. If they win a judgment in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on state laws and typically happen only after other collection efforts fail. Most agencies prefer to negotiate a payment plan or settlement before pursuing legal action.
Complaints About The Bureaus, Inc.
Like many debt collectors, The Bureaus, Inc. has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With The Bureaus, Inc.
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), including:
- Debt Validation: You can request proof the debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: The Bureaus cannot threaten, harass, or use abusive language when contacting you.
- Clear Communication: They must identify themselves as a debt collector and notify you of your rights.
- No Arrest Threats: Debt collectors cannot threaten you with arrest for unpaid debts.
Knowing your rights helps you handle collection agencies and protect your credit.
The Bureaus, Inc. Contact Information
Address:
The Bureaus, Inc.
650 Dundee Rd, Suite 370
Northbrook, IL 60062
Phone Number: (877) 887-4824
Need Help Removing The Bureaus From Your Credit Report?
If The Bureaus, Inc. is hurting your credit score, professional help is available. Credit Saint has over 15 years of experience helping clients challenge negative marks. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to learn more.
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.
