Universal Credit Services


Is Universal Credit Services hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Universal Credit Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Universal Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Universal Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Universal Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Universal Credit Services From Your Credit Report Today!

Credit Saint can help you dispute Universal Credit Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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