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 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

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.?

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 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

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 United Accounts, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • United Accounts, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • United Accounts, Inc. 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.
  • United Accounts, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

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

Credit Saint can assist you in disputing United Accounts, Inc. collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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