Who is Unifund CCR?
Unifund CCR, LLC, also known as Unifund CCR Partners or Unifund Group, is a debt collection agency based in Cincinnati, Ohio. They are known for purchasing charged-off debt portfolios, which are debts that original creditors have deemed unlikely to be collected and have written off their books.
If Unifund CCR appears on your credit report, it suggests that they have purchased a debt you owe and are now responsible for collecting that debt.
Who does Unifund CCR collect for?
As a junk debt buyer, Unifund CCR purchases old, charged-off debts from a variety of sources, including credit card companies, cell phone companies, hospitals, and other debt holders. Once they’ve bought these debts, they become the entity to whom the debt is owed.
While the original creditor may no longer be pursuing collection, Unifund CCR will attempt to collect on the debt, often at a significant discount to the original amount owed.
Is Unifund CCR legit or a scam?
Unifund CCR, LLC is a legitimate company. However, it’s important to remember that even legitimate debt collection agencies can sometimes make mistakes, such as attempting to collect a debt that has already been paid or settled, or even trying to collect a debt from the wrong person. This is why it’s crucial to always verify any debt you are contacted about.
How can I remove Unifund CCR from my credit report?
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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Unifund CCR, LLC/Unifund CCR Partners Contact Information
Address:
Unifund CCR
10625 Techwoods Circle
Cincinnati, OH 45242
Phone number: (888) 384-4452
Should I contact or pay Unifund CCR, LLC?
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 Unifund CCR, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Unifund CCR Partners on behalf of their clients.
Will Unifund CCR Partners sue me or garnish my wages?
Unifund CCR Partners, like many debt collection agencies, has the capability to sue for unpaid debts. If they choose to sue and they win the case, they may obtain a court judgment against you. This judgment could potentially lead to wage garnishment or a lien on your property, depending on the laws in your state.
However, lawsuits are generally a last resort due to the time, cost, and resources involved. Many debt collectors prefer to work out payment plans or settlements instead.
Unifund CCR, LLC Complaints
Most 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 Unifund CCR, LLC
Unifund CCR Partners 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 Unifund CCR Partners 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.
- Unifund CCR Partners may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Unifund CCR Partners 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.
- Unifund CCR Partners cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Unifund CCR From Your Credit Report Today!
Lexington Law Firm can assist you in disputing Unifund CCR collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
