If United Check Recovery Bureau appears on your credit report, it likely means a collection account has been added. Collection accounts can damage your credit score and stay on your credit report for up to seven years. But there are ways to deal with them—and possibly have them removed.
Who Is United Check Recovery Bureau?
United Check Recovery Bureau (UCRB) is a third-party debt collection agency based in West Seneca, New York. They collect unpaid debts on behalf of original creditors. If their name shows up on your credit report, it means they are trying to collect a debt that was either sold to them or assigned by another company.
Who Does United Check Recovery Collect For?
United Check Recovery works with a wide range of creditors, including:
- Credit card companies: Collecting unpaid balances.
- Healthcare providers: Recovering overdue medical bills.
- Utility companies: Managing delinquent accounts.
- Other businesses: Recovering outstanding debts for various service providers.
If you’ve fallen behind on payments in these categories, UCRB may be the agency contacting you.
Is United Check Recovery Bureau Legitimate?
Yes, United Check Recovery is a legitimate debt collection company. They are authorized to collect debts for other businesses. But even if they are legitimate, you should never assume the debt is valid without confirming the details first.
How to Remove United Check Recovery From Your Credit Report
Collection accounts can lower your credit score, but there are ways to address them:
- Dispute Inaccurate Information: If you believe the account is incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Request Debt Validation: You have the right to ask UCRB to prove the debt is yours and the amount is accurate. If they can’t provide proper documentation, they must remove the account.
- Negotiate a Pay-for-Delete Agreement: In some cases, you can offer to settle the debt in exchange for removing the account from your credit report. Always get this agreement in writing.
- Work With a Credit Repair Service: Professionals can dispute inaccurate accounts and help improve your credit faster.
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 Check Recovery?
Before contacting United Check Recovery or making a payment, verify that the debt is legitimate. Credit reports can contain errors or list debts that are no longer valid. Making a payment can also reset the timeline for how long the debt affects your credit.
Many people choose to work with a credit repair professional to avoid costly mistakes and protect their credit score.
Can United Check Recovery Sue You or Garnish Your Wages?
United Check Recovery has the legal ability to sue for unpaid debts. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on the laws in your state. Lawsuits are often a last resort, but they are possible.
Understanding your state’s rules on lawsuits and garnishments is important when dealing with debt collectors.
United Check Recovery Bureau Complaints
Many collection agencies receive complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints against UCRB include:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failure to provide proper debt validation
If you experience these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With United Check Recovery
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Allowing you to dispute inaccurate credit reporting
- Giving you the right to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring debt collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Knowing your rights can help you handle UCRB more confidently.
United Check Recovery Contact Information
Address:
United Check Recovery Bureau
3768 Seneca St.
West Seneca, NY 14224
Phone: (716) 674-2394
Remove United Check Recovery From Your Credit Report Today
Dealing with collections can feel overwhelming, but you don’t have to do it alone. Credit Saint has helped thousands of people challenge inaccurate items and improve their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
For expert help removing United Check Recovery from your credit report, visit their website or call (855) 281-1510 today.
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.
