Seeing United We Collect on your credit report can be stressful, but you have options to deal with it. Here’s what you need to know and how to get it removed.
Who Is United We Collect?
United We Collect, also known as United Collection Service, is a debt collection agency based in Lake Mary, Florida. They collect unpaid debts on behalf of other companies and service providers.
If United We Collect shows up on your credit report, it usually means they’re trying to recover money from a debt you haven’t paid.
Who Does United We Collect Work For?
United We Collect primarily collects debts for ambulance services, medical providers, financial companies, and other businesses. They operate in several states, including:
- California
- Florida
- Georgia
- New York
- Pennsylvania
- Tennessee
- Texas
Is United We Collect Legitimate?
Yes, United We Collect is a real debt collection agency. They are legally allowed to collect debts for their clients. But even legitimate collection accounts can sometimes contain errors, so it’s important to verify the details before paying anything.
How to Remove United We Collect From Your Credit Report
Collection accounts can damage your credit score for up to seven years. Here are your options to get United We Collect removed:
- Dispute the account – Start by reviewing your credit report for errors. If the information is inaccurate, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation – You have the right to ask United We Collect to prove the debt is yours. If they can’t provide proper documentation, they must stop collecting, and the account could be removed.
- Negotiate a pay-for-delete – Some collection agencies agree to remove the account in exchange for payment. Get any agreement in writing before sending money.
- Work with a credit repair company – Professional credit repair services can challenge negative items like collections on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay United We Collect?
Before calling or paying United We Collect, confirm that the debt is valid and still within the legal timeframe for collection (called the statute of limitations). Paying a collection account can sometimes reset the clock, so it’s smart to review your rights first.
Many people choose to work with credit repair experts who deal with collectors like United We Collect every day. They know how to handle disputes and protect your credit.
Can United We Collect Sue You or Garnish Your Wages?
Debt collectors, including United We Collect, can sue you for unpaid debts. If they win in court, they may be able to garnish your wages or freeze your bank account, depending on your state laws.
That said, lawsuits are often a last resort. Collection agencies usually try to negotiate a payment plan or settlement first.
United We Collect Contact Information
Here’s how to reach them if you choose to:
United Collection Service
106 Commerce St., Suite 101
Lake Mary, FL 32746
Phone: (866) 456-4827
Complaints About United We Collect
Many debt collection agencies face complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Harassment or repeated calls
- Failure to verify debts
If you believe your rights have been violated, consider filing a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With United We Collect
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you. Here’s what those laws guarantee:
- United We Collect cannot report false or incomplete information about you.
- You can send a debt validation letter requesting proof the debt is yours. They must respond within 30 days.
- They cannot harass, threaten, or use abusive language.
- They must clearly state they are a debt collection agency both verbally and in writing.
- They cannot threaten you with arrest for unpaid debts.
Get Help Removing United We Collect From Your Credit Report
If dealing with collection agencies feels overwhelming, working with a trusted credit repair company can help. Credit Saint has helped thousands of people challenge inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take the next step? Visit their website or call (855) 281-1510 to see how they can help improve your credit.
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.
