United Collection Bureau


Is United Collection Bureau hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is United Collection Bureau?

United Collection Bureau, Inc. (UCB) is a professional debt collection agency based in Toledo, Ohio. UCB’s role involves assisting companies in recouping money owed to them by consumers.

If you find United Collection Bureau listed on your credit report as a collections account, it generally means that you have an unpaid debt which the original creditor has transferred to UCB for collection.

Who does United Collection Bureau collect for?

United Collection Bureau (UCB) provides debt collection for a variety of sectors. These include communications, financial services, government, healthcare, student loans, and utilities. Their work encompasses recovering unpaid bills, loans, fines, and fees on behalf of these industries.

Is United Collection Bureau legit or a scam?

United Collection Bureau is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Collection Bureau 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.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

United Collection Bureau, Inc. (UCB) Contact Information


United Collection Bureau
5620 Southwyck Blvd
Toledo, OH 43614

Phone number: (866) 209-0622

Should I contact or pay United Collection Bureau?

Before contacting a debt collector, 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 United Collection Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Collection Bureau on behalf of their clients.

Will United Collection Bureau sue me or garnish my wages?

United Collection Bureau (UCB) is entitled to take legal actions, including filing a lawsuit, to collect unpaid debts. If a court judgment is made in their favor, they could potentially seek wage garnishment or other forms of payment enforcement.

However, remember that these steps are typically last resorts. Most debt collectors prefer to negotiate payment arrangements before proceeding to legal actions, as the latter can be time-consuming and expensive.

United Collection Bureau Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with United Collection Bureau, you should also 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 Collection Bureau

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for United Collection Bureau 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 Collection Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • United Collection Bureau 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 Collection Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove United Collection Bureau From Your Credit Report Today!

Credit Saint can help you dispute United Collection Bureau 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

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.