United Recovery Service

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Is United Recovery Service hurting your credit score?

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Who is United Recovery Service?

United Recovery Service, LLC is a debt collection agency located in Lansing, Illinois. This collection agency is often confused with United Recovery Systems (which is now Alltran), but they are not the same.

If you have an account with them, it will likely be due to an unpaid bill, and this can lead to their name appearing on your credit report as a collections account

Who does United Recovery Service collect for?

United Recovery Service dedicates itself to recovering past-due debts for original creditors. This could encompass a wide range of debt types, from overdue credit card payments and loans to unpaid utility bills and more.

Is United Recovery Service legit or a scam?

United Recovery Service is a legitimate company. They are authorized to collect debts 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 Recovery Service 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 Recovery Service Contact Information

Address:

United Recovery Service
18525 Torrence Ave Ste C6
Lansing, IL 60438

Phone number: (708) 895-5300

Should I contact or pay United Recovery Service?

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 Recovery Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Recovery Service on behalf of their clients.

Will United Recovery Service sue me or garnish my wages?

United Recovery Service can potentially sue debtors for unpaid debts. If they obtain a judgment against a debtor, they might have the legal right to garnish wages or take other actions to recover the owed amount. However, the specific tactics they employ will depend on various factors, including local regulations, the size of the debt, and the debtor’s financial circumstances.

United Recovery Service 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 a debt collector is harassing you, you may 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 Recovery Service

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. 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 Recovery Service 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 Recovery Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • United Recovery Service 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 Recovery Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove United Recovery Service From Your Credit Report Today!

Credit Saint can assist you in disputing United Recovery Service 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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