Seeing United Collection Bureau on your credit report can be stressful, but there are ways to handle it—and possibly remove them from your report altogether.
Here’s what to know and how to take action.
Who Is United Collection Bureau?
United Collection Bureau, Inc. (UCB) is a debt collection agency based in Toledo, Ohio. They work with companies to collect unpaid debts from consumers.
If UCB is listed on your credit report, it usually means a creditor sent your account to them for collection after missed payments.
Who Does United Collection Bureau Collect For?
UCB collects debts for many different industries, including:
- Credit card companies
- Telecommunications providers
- Financial services
- Healthcare providers
- Student loan lenders
- Government agencies
- Utility companies
If you have an unpaid bill, loan, or other account in any of these areas, it could end up with UCB.
Is United Collection Bureau Legitimate?
Yes, United Collection Bureau is a real debt collection agency. But even legitimate collectors can make errors, like:
- Attempting to collect a debt you don’t owe
- Reporting incorrect information to the credit bureaus
- Contacting the wrong person
Always verify a debt before making payments or agreeing to anything.
How to Remove United Collection Bureau From Your Credit Report
Collections can stay on your credit report for up to seven years, but there are ways to remove them sooner.
Your options include:
- Disputing inaccuracies – If the account details are wrong, file a dispute with the credit bureaus.
- Requesting debt validation – Send a debt validation letter to UCB. They must prove the debt is yours and accurate.
- Negotiating a pay-for-delete – Some collectors agree to remove the account if you pay. Get the agreement in writing first.
- Working with a credit repair service – Experts can help challenge collection accounts and clean up 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 United Collection Bureau?
Don’t rush to pay UCB without confirming the debt is legitimate. Review your credit reports and request debt validation if needed.
Also, keep in mind that making a payment might restart the statute of limitations on the debt, depending on your state laws.
Many people prefer to let credit repair professionals handle situations like this to avoid mistakes that could hurt their credit further.
Can United Collection Bureau Sue You or Garnish Your Wages?
UCB has the legal right to sue for unpaid debts. If they win the lawsuit, they could seek wage garnishment or place a lien on your property, depending on state laws.
However, lawsuits usually aren’t their first choice. Debt collectors often try to work out settlements or payment plans before going to court.
United Collection Bureau Contact Information
Address:
United Collection Bureau
5620 Southwyck Blvd
Toledo, OH 43614
Phone: (866) 209-0622
If you plan to contact them, always document your communications and don’t admit to owing the debt until it’s verified.
Complaints About United Collection Bureau
Like many collection agencies, UCB has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or repeated calls
- Failure to verify debts
If you experience any of these, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With United Collection Bureau
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers. Under these laws:
- They cannot report false or incomplete information.
- You have the right to request proof the debt belongs to you.
- They cannot threaten, harass, or use abusive language.
- They must clearly identify themselves as debt collectors.
- They cannot claim you’ll be arrested for unpaid debts.
Understanding your rights can help you handle the situation confidently.
Get Help Removing United Collection Bureau From Your Credit Report
Dealing with collections can be overwhelming, but you don’t have to face it alone. Credit Saint has over 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from United Collection Bureau.
They even offer a 90-day money-back guarantee for added peace of mind.
To learn more, 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.
