United Consumers, Inc.

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Is United Consumers, Inc. hurting your credit score?

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Who is United Consumers, Inc.?

United Consumers, Inc. (UCI) is a debt collection agency based in Woodbridge, Virginia. UCI’s job is to collect unpaid debts that have been referred to them by a variety of creditors. When they take on a debt, they typically list it on your credit report as a collections account.

Who does United Consumers collect for?

United Consumers, Inc. primarily focuses on collections in the state tax, healthcare, utility, and retail industries. This means they work with various state government entities, hospitals and healthcare providers, utility companies, and retailers to collect past due amounts owed by consumers.

Is United Consumers legit or a scam?

United Consumers, Inc. is a legitimate debt collection company. However, they might utilize persistent methods such as regular phone calls, text messages, or emails to collect a debt.

How can I remove United Consumers 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 Consumers, Inc. (UCI) Contact Information

Address:

United Consumers, Inc.
14205 Telegraph Rd
Woodbridge, VA 22192

Mailing address:

United Consumers, Inc.
P.O. Box 4466
Woodbridge, VA 22194

Phone number: (800) 736-6615 or (703) 497-5000

Should I contact or pay United Consumers?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with United Consumers is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Consumers on behalf of their clients.

Will United Consumers sue me or garnish my wages?

United Consumers, Inc. (UCI) has the option to sue a debtor in court for unpaid debts. If they win a judgment against you, they could potentially garnish your wages or bank accounts, or place a lien on your property, depending on your state’s laws. However, this is usually a last resort for most collection agencies as it can be a time-consuming and expensive process.

United Consumers, Inc. (UCI) 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, you may also 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 Consumers, Inc.

There are strict regulations about what a third-party collection agency can and cannot do in the United States. For example, the FDCPA prevents the use of abusive or deceptive tactics to collect any debt, regardless of whether you actually owe it. In addition, it 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 Consumers, 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 Consumers, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • United Consumers, 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 Consumers, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

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

Credit Saint can assist you in disputing United Consumers, Inc. 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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