If you’ve spotted United Accounts, Inc. on your credit report, you’re probably wondering how to deal with it. Collection accounts can damage your credit score, so addressing them quickly is key.
Here’s what to know about United Accounts, Inc. and how to get them off your credit report.
Who Is United Accounts, Inc.?
United Accounts, Inc. is a legitimate debt collection agency based in Fargo, North Dakota. They’ve been in business for decades and are the largest collection agency in North Dakota. They’re licensed to operate in North Dakota, South Dakota, and Minnesota.
If a company sends your unpaid debt to collections, there’s a chance United Accounts, Inc. will handle it. When that happens, their name may appear on your credit report as a collection account.
Who Does United Accounts, Inc. Collect For?
United Accounts, Inc. works with different types of businesses to recover past-due debts. This can include credit card companies, banks, medical providers, or service companies that offer products or services upfront without immediate payment.
If you see them on your credit report, it means one of these original creditors sent your account to collections.
Is United Accounts, Inc. Legitimate or a Scam?
United Accounts, Inc. is a real company, not a scam. However, never assume a debt is valid just because a collection agency contacts you. Mistakes happen, so always ask for proof of the debt before paying.
How to Remove United Accounts, Inc. From Your Credit Report
A collection account can stay on your credit report for up to seven years, even if you pay it off. But there are steps you can take to try to remove it sooner:
- Dispute Any Errors: Review your credit report for inaccurate information. If anything is incorrect—such as the balance, dates, or account details—file a dispute with the credit bureaus.
- Request Debt Validation: Send United Accounts, Inc. a written request for debt validation. They must prove the debt is yours and that the amount is correct.
- Negotiate a Pay-for-Delete: You can try to negotiate a pay-for-delete agreement. This means offering to pay the debt in exchange for having the account removed from your credit report. Not all collection agencies agree to this, but it’s worth trying.
- Work With a Credit Repair Company: If dealing with collections feels overwhelming, consider working with credit repair professionals who challenge inaccurate negative items every day.
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 United Accounts, Inc.?
Before contacting them, confirm the debt is accurate and legally collectible. Sometimes debts are too old to sue over, known as being beyond the statute of limitations. Be careful—making a payment can restart the clock and hurt your credit even more.
If you’re unsure how to proceed, credit repair experts can help review your credit report and dispute questionable accounts for you.
Can United Accounts, Inc. Sue You or Garnish Your Wages?
Debt collectors like United Accounts, Inc. can take legal action to recover unpaid debts, but it’s typically a last resort. Their first step is usually sending letters or making phone calls to get payment.
If they sue and win, they could get a court judgment allowing wage garnishment, bank account levies, or liens on property—depending on state laws.
How to Contact United Accounts, Inc.
Here’s how to reach them:
- Main Address:
United Accounts, Inc.
3481 S University Dr.
Fargo, ND 58104 - Mailing Addresses:
PO Box 9239, Fargo, ND 58106
PO Box 518, Aberdeen, SD 57401 - Phone Numbers:
(800) 658-3015
(605) 229-0580
Complaints About United Accounts, Inc.
Like many collection agencies, United Accounts, Inc. has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints involve:
- Incorrect information on credit reports
- Failure to verify debts
- Harassing phone calls
If you feel your rights are being violated, you can file a complaint with these agencies.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair treatment by debt collectors. Here’s what those rights include:
- They cannot report false or incomplete information to the credit bureaus.
- You can request written proof of the debt through a debt validation letter.
- They cannot threaten, harass, or use abusive language.
- They must be clear that they are a debt collection agency and explain why they’re contacting you.
- They cannot threaten you with arrest or legal action they don’t intend to pursue.
Get Help Removing United Accounts, Inc. From Your Credit Report
Dealing with collection accounts can be stressful. Credit Saint has helped thousands of people challenge inaccurate information on their credit reports. They’ve been in the credit repair industry for over 15 years and even offer a 90-day money-back guarantee for added confidence.
If you want help disputing negative items from United Accounts, Inc. or other collection agencies, they’re a great place to start.
Visit their website or call (855) 281-1510 to learn more.
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.
