If Unifin, Inc. appears on your credit report, it usually means a collection account has been added. Collections can significantly hurt your credit score and stay on your credit report for up to seven years. Fortunately, there are steps you can take to remove them.
Who Is Unifin, Inc.?
Unifin, Inc. is a third-party debt collection agency based in Niles, Illinois. They help creditors recover unpaid debts. If you see Unifin listed on your credit report, it typically means an unpaid account has been sent to them for collection.
Who Does Unifin Collect For?
Unifin works with many types of creditors, including:
- Credit card companies: Recovering unpaid balances.
- Utility and telecommunications providers: Collecting delinquent bills.
- Student loan lenders: Managing overdue student loan payments.
- Healthcare providers: Collecting unpaid medical bills.
- Government agencies: Recovering unpaid taxes or fines.
If you have outstanding debt in any of these categories, Unifin may be the agency trying to collect.
Is Unifin Legitimate?
Yes, Unifin is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. Even so, never assume the debt is valid without verifying the details first. Errors and outdated information are common on credit reports.
How to Remove Unifin From Your Credit Report
A collection account from Unifin can lower your credit score, but there are ways to address it:
- Dispute Inaccurate Information: If the account is incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any mistakes.
- Request Debt Validation: You can ask Unifin to prove the debt is yours and the amount is accurate. If they can’t provide proper documentation, they must remove the account.
- Negotiate a Pay-for-Delete Agreement: Sometimes, you can offer to settle the debt in exchange for removing the account from your credit report. Always get this agreement in writing.
- Work With a Credit Repair Service: Professionals can challenge inaccurate collections on your behalf and help improve your credit faster.
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 Unifin?
Before contacting Unifin or making a payment, confirm the debt is valid. Many people find incorrect or outdated accounts listed on their credit reports. Also, making a payment can restart the clock on how long the debt impacts your credit.
Credit repair companies can help handle the process and protect your credit score.
Can Unifin Sue You or Garnish Your Wages?
Unifin has the legal ability to sue over unpaid debts. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on your state’s laws. Lawsuits are often a last resort, but they are possible.
Know your rights and state-specific rules to avoid unexpected legal action.
Complaints Against Unifin, Inc.
Debt collection agencies like Unifin often receive complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failure to provide debt validation
If you experience any of these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With Unifin
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Giving you the right to dispute inaccurate credit reporting
- Allowing you to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring debt collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Understanding these rights can help you handle Unifin more confidently.
Unifin, Inc. Contact Information
Office Address:
Unifin, Inc.
5996 W Touhy Ave, Suite 2000
Niles, IL 60714
Mailing Address:
Unifin, Inc.
PO Box 4519
Skokie, IL 60076
Phone: (888) 572-3987
Remove Unifin From Your Credit Report Today
Dealing with collections can be overwhelming, but you don’t have to do it alone. Credit Saint has helped thousands of people challenge inaccurate accounts and improve their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
For expert help removing Unifin from your credit report, visit their website or call (855) 281-1510 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.
