United Collection Bureau

Is United Collection Bureau hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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 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 Collection Bureau, Inc. (UCB) Contact Information

Address:

United Collection Bureau
5620 Southwyck Blvd
Toledo, OH 43614

Phone number: (866) 209-0622

Should I contact or pay United Collection Bureau?

It’s best to avoid speaking to a debt collector 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 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

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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with United Collection Bureau

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

Remove United Collection Bureau From Your Credit Report Today!

Credit Saint can assist you in disputing United Collection Bureau 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.

Ready to Repair Your Credit?

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