Universal Credit Services

Is Universal Credit Services 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 Universal Credit Services, Inc.?

Universal Credit Services, Inc. (UCS) is a third-party debt collection agency based in Hartland, Michigan.

It’s important to note that there is another entity named Universal Credit Services that operates as a credit reporting agency in Broomall, Pennsylvania, but the two are not connected.

If you see Universal Credit Services listed on your credit report as a collections account, it indicates that you have an outstanding bill that has been transferred to UCS for collection.

Who does Universal Credit Services collect for?

Universal Credit Services operates across a range of industries to help businesses recoup their debts. In the commercial sector, they may handle business-related debts. When working with financial services, they could be responsible for collecting on things like unpaid loans or credit card debt.

For government entities, they could be involved in recovering unpaid fines, taxes, or fees. In the healthcare industry, UCS often assists with collecting unpaid medical bills. And for utility companies, they may handle debts related to unpaid bills for services such as electricity, gas, or water.

Is Universal Credit Services legit or a scam?

Universal Credit Services is a legitimate debt collection 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 Universal Credit Services 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.

Universal Credit Services (UCS) Contact Information


Universal Credit Services, Inc.
3588 Avon St.
Hartland, MI 48353

Mailing Address:

Universal Credit Services, Inc.
PO Box 158
Hartland, MI 48353

Phone number: (800) 931-3711 or (810) 632-3450

Should I contact or pay Universal Credit Services?

It’s best to avoid speaking to a collection agency 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 Universal Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Universal Credit Services on behalf of their clients.

Will Universal Credit Services sue me or garnish my wages?

Universal Credit Services (UCS) does have the legal authority to take a debtor to court if they are unable to recover the owed debt through standard collection practices. If UCS sues and obtains a judgment from the court, they may then have the legal right to garnish your wages or take other actions to enforce the judgment, such as levying your bank account.

However, taking legal action is generally considered a last resort for most collection agencies. It’s a lengthy and costly process, so they usually prefer to negotiate a payment arrangement with you first.

Universal Credit Services, Inc. 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 Universal Credit Services, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 Universal Credit Services 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.
  • Universal Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Universal Credit Services 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.
  • Universal Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Universal Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing Universal Credit Services 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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