Seeing Tulsa Adjustment Bureau, Inc. on your credit report? It could be affecting your credit score more than you realize. Here’s what you need to know—and how to handle it.
Who Is Tulsa Adjustment Bureau?
Tulsa Adjustment Bureau, also known as TAB Services, is a debt collection agency based in Tulsa, Oklahoma. Their job is to collect unpaid debts on behalf of businesses, mainly in the healthcare industry. If they show up on your credit report, it usually means a bill you didn’t pay was sent to them for collection.
Who Does Tulsa Adjustment Bureau Collect For?
Most of their collection work is for medical providers. That can include hospitals, clinics, doctor’s offices, and other healthcare services. If you’ve had an outstanding medical bill, it may have ended up with Tulsa Adjustment Bureau.
Is Tulsa Adjustment Bureau Legit?
Yes, Tulsa Adjustment Bureau is a real, authorized debt collection agency. But even though they’re legitimate, always double-check any debt they claim you owe. Mistakes happen, and not every collection account is accurate.
How to Remove Tulsa Adjustment Bureau From Your Credit Report
Collections can lower your credit score for up to seven years, so it’s smart to deal with them quickly. Here are your options:
- Dispute errors: If you believe the account is wrong or outdated, file a dispute with the credit bureaus.
- Request debt validation: Ask Tulsa Adjustment Bureau to prove the debt is yours. They must provide details within 30 days.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account if you settle the debt.
- Work with a credit repair company: Professionals can handle disputes and help get negative items removed.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Tulsa Adjustment Bureau?
Before paying, confirm the debt is valid and belongs to you. If it’s incorrect or past the legal time limit for collections, paying might hurt more than help. Settling a valid debt can sometimes be a good move, but be careful—it could reset the clock on how long it affects your credit.
Credit repair services often help people remove collection accounts without the stress of dealing with agencies directly.
Can Tulsa Adjustment Bureau Sue You or Garnish Your Wages?
It’s possible, but not common. Most collection agencies, including Tulsa Adjustment Bureau, try to resolve debts through phone calls or letters first. Lawsuits and wage garnishments are usually a last resort, and the rules depend on your state.
If they take legal action and win, they could garnish your wages or place a lien on your property. But again, that’s not the first step.
Complaints About Tulsa Adjustment Bureau
Like many collection agencies, Tulsa Adjustment Bureau has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Incorrect reporting to the credit bureaus
- Harassment or aggressive collection tactics
- Failing to properly validate debts
If you’re experiencing any of these issues, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With Tulsa Adjustment Bureau
You’re protected under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Here’s what those rights include:
- Accurate reporting: They can’t report false or incomplete information about you.
- Debt validation: You can demand written proof of the debt within 30 days of their first contact.
- No harassment: They can’t threaten you, call excessively, use profanity, or publish your name.
- Honesty required: They must clearly tell you they’re a debt collector and why they’re contacting you.
- No jail threats: They cannot claim you’ll be arrested for unpaid debts.
If they break these rules, you have legal options to fight back.
Tulsa Adjustment Bureau Contact Information
Address:
Tulsa Adjustment Bureau (TAB Services)
2448 E 81st St, Suite 4700
Tulsa, OK 74137
Phone:
(918) 749-1481 or (800) 775-1481
Want Tulsa Adjustment Bureau Removed From Your Credit Report?
If you’re tired of dealing with collections, Credit Saint may be able to help. They’ve been helping people challenge negative items for over 15 years—and they even offer a 90-day money-back guarantee.
Getting expert help can make the process easier and give you the best shot at improving 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.
