Unifund CCR

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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being 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. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• 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. They have 30 days to prove the debt is yours and the amount is accurate.
• Unifund CCR Partners cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Unifund CCR Partners must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Unifund CCR Partners cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Unifund CCR From Your Credit Report Today!

Credit Saint can help you dispute Unifund CCR collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.