Seeing Unifund CCR on your credit report can be frustrating, especially if you’re unsure who they are or why they’re contacting you. Here’s what you need to know—and how to get them off your credit report.
Who Is Unifund CCR?
Unifund CCR, LLC is a debt collection company based in Cincinnati, Ohio. You might also see them listed as Unifund CCR Partners or Unifund Group. They buy old, charged-off debts from other companies and then try to collect the money themselves.
If Unifund CCR shows up on your credit report, it means they purchased a debt tied to your name and are now trying to collect it.
Who Does Unifund CCR Collect For?
Unifund CCR buys debt from different sources, such as:
- Credit card companies
- Cell phone providers
- Medical providers
- Other businesses owed money
These debts are usually considered “charged off,” meaning the original creditor gave up on collecting and sold the account to a company like Unifund CCR at a discount. Once Unifund CCR owns the debt, they become the ones trying to collect.
Is Unifund CCR Legitimate?
Yes, Unifund CCR, LLC is a real debt collector. But even legitimate companies can make mistakes. They might:
- Try to collect a debt that’s already been paid
- Contact the wrong person
- Report incorrect details to the credit bureaus
This is why it’s important to check your credit report carefully and verify any debt before taking action.
How to Remove Unifund CCR From Your Credit Report
Collection accounts can hurt your credit score for up to seven years, but you may be able to get them removed sooner.
Here are your options:
- Dispute inaccuracies – If the debt information is wrong, file a dispute with the credit bureaus. They are required to investigate.
- Request debt validation – Send Unifund CCR a debt validation letter. They must prove the debt belongs to you and the amount is correct.
- Negotiate a pay-for-delete – Some collectors will agree to remove the account from your credit report if you pay the debt. Get the agreement in writing before making any payments.
- Work with a credit repair service – Professionals can help challenge collection accounts and other negative marks on your credit report.
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 Unifund CCR?
Don’t rush to pay Unifund CCR before verifying the debt. First, check your credit reports for errors and confirm the debt is legitimate. Be aware that making a payment might restart the statute of limitations, depending on your state.
Many people choose to work with a reputable credit repair company to handle collection accounts like this. They know how to spot inaccuracies and deal with debt collectors properly.
Can Unifund CCR Sue You or Garnish Your Wages?
Unifund CCR can take legal action to collect unpaid debts. If they sue and win, they could get a judgment that allows wage garnishment or property liens, depending on your state laws.
That said, most collection agencies prefer to settle debts outside of court. It saves them time and money, so they often agree to payment plans or settlements instead.
Unifund CCR Contact Information
Address:
Unifund CCR
10625 Techwoods Circle
Cincinnati, OH 45242
Phone: (888) 384-4452
If you plan to contact them, always keep records of your communication and never admit to owing the debt until it’s verified.
Complaints About Unifund CCR
Like many collection agencies, Unifund CCR has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or repeated calls
- Attempts to collect debts that aren’t valid
If you experience any of these issues, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Unifund CCR
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect your rights. Under these laws:
- They cannot report false or incomplete information.
- You have the right to request proof the debt is yours.
- They cannot harass, threaten, or use abusive language.
- They must tell you they are a debt collection agency.
- They cannot claim you’ll be arrested for unpaid debts.
If Unifund CCR violates these rules, you can take action.
Get Help Removing Unifund CCR From Your Credit Report
Dealing with collection accounts is stressful, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute negative items on their credit reports—including accounts from companies like Unifund CCR Partners.
They even offer a 90-day money-back guarantee, so there’s no risk in seeing how they can help.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
