Is Unifin hurting your credit score?

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Who is Unifin?

Unifin, Inc. is a debt collection agency based in Niles, Illinois. They provide services that help creditors recover unpaid debts.

If you see Unifin listed on your credit report as a collections account, this typically signifies an unpaid bill or delinquent debt that has been turned over to the agency for collection.

Who does Unifin collect for?

Unifin works with a variety of clients, helping them to recover delinquent debts. These clients can range across several sectors, from government agencies to utility and telecommunications providers.

For example, if a student loan borrower falls behind on their payments, the lender may engage Unifin to collect the debt. Similarly, if a patient has an unpaid medical bill, healthcare providers may involve Unifin to recover the outstanding amount. Even government agencies might use Unifin’s services for collection of unpaid taxes or fines.

Is Unifin legit or a scam?

Unifin 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 Unifin from my credit report?

Unifin collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Unifin, Inc. Contact Information


5996 W Touhy Ave Ste 2000
Niles, IL 60714

Mailing address:

PO Box 4519
Skokie, IL 60076

Phone number: (888) 572-3987

Should I contact or pay Unifin, Inc.?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Unifin, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Unifin, Inc. on behalf of their clients.

Will Unifin, Inc. sue me or garnish my wages?

Unifin, Inc. has the potential to sue you to collect the debt. This usually happens if a debt goes unpaid for a long time. If the court judgement is in their favor, they might have the legal right to garnish your wages until the debt is paid in full.

This doesn’t always mean they will choose to sue or garnish your wages. It’s also important to note that the exact processes can vary by state due to state-specific laws.

Unifin, Inc. Complaints

Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Unifin, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Unifin, 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Unifin, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Unifin, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Unifin, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Unifin From Your Credit Report Today!

Credit Saint can assist you in disputing Unifin collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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