If United Resource Systems has shown up on your credit report, you’re probably wondering who they are, why they’re there, and how to make them go away. Here’s what you need to know.
What Is United Resource Systems?
United Resource Systems, Inc. (URS) is a debt collection agency based in Lakewood, Colorado. They collect unpaid debts on behalf of other businesses, and if you’re seeing them on your credit report, it means one of your accounts has been sent to collections.
Who Does United Resource Systems Collect For?
United Resource Systems works across several industries, including:
- Healthcare providers
- Government agencies
- Retail companies
- Financial institutions
- Commercial service providers
They don’t issue credit themselves. Instead, they collect overdue balances on behalf of these businesses.
Is United Resource Systems a Scam?
No, United Resource Systems is not a scam. They’re a legitimate debt collector, but like many collection agencies, they can be aggressive in how they contact people. They may call, email, or text to try to collect what’s owed.
If you don’t recognize the debt or think there’s been a mistake, don’t ignore it—take steps to verify the debt and protect your credit.
How to Remove United Resource Systems From Your Credit Report
A collection account can damage your credit score for up to seven years, even if you pay it off. That’s why it’s worth trying to remove it completely. Here are a few options:
- Dispute any errors – If the account is inaccurate or outdated, file a dispute with the credit bureaus. They’re required to investigate and remove unverifiable information.
- Request debt validation – Send United Resource Systems a debt validation letter asking them to prove the debt is yours. If they can’t validate it, they must stop reporting it.
- Negotiate a pay-for-delete – Offer to settle the debt in exchange for having it removed from your credit report. Not all collectors agree to this, but it’s worth asking.
- Work with a credit repair company – If handling this on your own feels stressful or confusing, a professional can take care of the disputes and negotiations for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay United Resource Systems?
Don’t rush to pay just because they’re contacting you. First, make sure the debt is legitimate, still legally collectible, and correctly reported. Here’s why:
- Old debts may be past the statute of limitations – Paying on them could reset the clock and make them collectible again.
- Some collections are inaccurate – Always validate the debt before paying anything.
- You might be able to negotiate removal – If you pay without a deletion agreement, the account may still hurt your credit.
Can United Resource Systems Sue You?
Yes, United Resource Systems has the right to sue you in an attempt to collect the debt. If they win, they may be able to garnish your wages or freeze your bank account—depending on your state’s laws.
However, lawsuits are typically a last resort. Collectors are usually open to negotiating a settlement to avoid going to court.
Your Rights Under Federal Law
You’re protected by two important federal laws:
- The Fair Debt Collection Practices Act (FDCPA) – This law bans harassment, false statements, and abusive tactics from debt collectors.
- The Fair Credit Reporting Act (FCRA) – This gives you the right to dispute inaccurate information on your credit report.
Under these laws, United Resource Systems:
- Cannot report false or incomplete information
- Must respond to your request for debt validation within 30 days
- Cannot threaten you, use profanity, or contact you repeatedly in a harassing way
- Must be transparent about their identity and that they’re trying to collect a debt
- Cannot threaten jail time or legal action they don’t intend to take
If they violate your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or Better Business Bureau (BBB).
United Resource Systems Contact Information
- Address:
United Resource Systems, Inc.
3501 S Teller Street
Lakewood, CO 80235 - Phone: (800) 547-9054
Tired of Fighting Collections on Your Own?
Collection accounts can seriously damage your credit—but you don’t have to tackle them by yourself. A trusted credit repair company can dispute inaccurate information and work to remove negative marks.
Credit Saint is one option to consider. They’ve helped thousands of people clean up their credit reports, including accounts from United Resource Systems, and they offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 to learn more.
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.
