United Accounts, Inc.


Is United Accounts, Inc. hurting your credit score?

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Who is United Accounts, Inc.?

United Accounts, Inc. is a debt collection agency located in Fargo, North Dakota. They are the oldest and largest collection agency in North Dakota and licensed in North Dakota, South Dakota, and Minnesota.

If you have an unpaid bill that has been sent to collections, it might end up with United Accounts, Inc. If this happens, you may see their name appear on your credit report as a collections account.

Who does United Accounts, Inc. collect for?

United Accounts, Inc. serves a diverse range of original creditors, helping them recover debts that are past due. Original creditors are entities that initially extend credit or provide services without upfront payment, such as credit card companies, banks, or service providers.

Is United Accounts, Inc. legit or a scam?

United Accounts, Inc. 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 United Accounts, Inc. 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.)

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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.

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United Accounts, Inc. Contact Information


United Accounts, Inc.
3481 S University Dr.
Fargo, ND 58104

Mailing addresses:

United Accounts, Inc.
PO Box 9239
Fargo, ND 58106

United Accounts, Inc.
PO Box 518
Aberdeen, SD 57401

Phone number: (800) 658-3015 or (605) 229-0580

Should I contact or pay United Accounts, Inc.?

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 Credit reports can contain errors or list debts that are no longer valid.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 this is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Accounts, Inc. on behalf of their clients.

Will United Accounts, Inc. sue me or garnish my wages?

While it is possible for a debt collection agency like United Accounts, Inc. to sue for unpaid debts, it’s typically not the first course of action. Debt collectors generally try to recover the debt through letters, phone calls, and payment plans before they resort to legal action, as lawsuits can be expensive and time-consuming.

If United Accounts, Inc. chooses to sue and wins the lawsuit, the court will issue a judgment. This judgment might allow the agency to garnish your wages, levy your bank account, or put a lien on your property to recover the debt, depending on the laws in your specific state.

United Accounts, Inc. 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 United Accounts, Inc.

Debt collectors must follow state and federal laws. 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 United Accounts, 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • United Accounts, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • United Accounts, Inc. 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.
  • United Accounts, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove United Accounts, Inc. From Your Credit Report Today!

Credit Saint can help you dispute United Accounts, Inc. 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.

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Meet the author

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