If US Collections West just showed up on your credit report, you’re probably wondering who they are and how to get them off. Here’s what you need to know—and what you can do about it.
What Is US Collections West?
US Collections West, Inc. is a debt collection agency based in Phoenix, Arizona. They’ve been in business since 1985 and specialize in collecting past-due accounts on behalf of other companies. If their name is showing up on your credit report, it means they believe you owe a debt—and they’re trying to collect.
Who Hires US Collections West?
They collect for companies in industries like:
- Healthcare
- Retail
- Utilities
- Financial services
In some cases, US Collections West doesn’t just collect the debt—they actually buy it. That means they become the legal owner of the debt and are now the creditor trying to get paid. Debt buyers often purchase accounts for pennies on the dollar and then pursue the full balance.
Is US Collections West a Legitimate Company?
Yes. US Collections West is a legitimate and licensed debt collection agency—not a scam. That said, even legit collectors can make mistakes. It’s important to verify that any debt they claim you owe is accurate before paying anything.
How to Remove US Collections West From Your Credit Report
Collections can stick around for up to seven years—even if you pay them. But you do have options to remove or minimize the damage:
1. Dispute Any Errors
Start by checking all the details. If the debt is inaccurate, outdated, or not yours, file a dispute with the credit bureaus (Experian, Equifax, and TransUnion). They’re required to investigate and correct any mistakes.
2. Request Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you can request written proof that the debt is legitimate. Send US Collections West a debt validation letter within 30 days of first contact. If they can’t validate it, they must stop collection and remove it from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is valid, and you can afford to pay, you can offer a pay-for-delete. This is a written agreement where you pay the debt (in full or settled for less) in exchange for having it removed from your credit report. Not all collectors agree to this, but it’s worth trying.
4. Work With a Credit Repair Company
Credit repair professionals dispute negative marks, negotiate deletions, and guide you through rebuilding your credit. If you’re feeling stuck or overwhelmed, getting expert help might speed up the process.
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 US Collections West?
Before you reach out or send any money, do this:
- Check the debt: Make sure it’s valid and belongs to you.
- Review your credit report: Look for duplicate entries or reporting errors.
- Be cautious about restarting the clock: Making a payment can revive the statute of limitations in some states, which could open the door to lawsuits.
If you’re unsure how to proceed, consult a credit repair company or consumer law attorney before taking action.
Can US Collections West Sue or Garnish Your Wages?
Yes, they can sue you in civil court if you don’t pay. If they win the case and get a judgment, they could potentially garnish your wages or freeze your bank account—depending on the laws in your state.
Most debt collectors try other methods first, like phone calls and letters. Lawsuits are usually a last resort.
What If They’re Harassing You?
If US Collections West is contacting you excessively, using aggressive language, or refusing to validate the debt, you have rights.
Here’s What They Can’t Do Under the FDCPA:
- Call you repeatedly or at odd hours
- Use abusive or threatening language
- Misrepresent who they are or what you owe
- Threaten arrest or legal action they can’t actually take
- Share your debt with others or publish your name
If they violate any of these rules, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
Contact Information for US Collections West
Here’s how to reach them:
- Office Address:
US Collections West, Inc.
2320 W Peoria Ave, Ste C116
Phoenix, AZ 85029 - Mailing Address:
US Collections West, Inc.
P.O. Box 39695
Phoenix, AZ 85069 - Phone Numbers:
(888) 254-6967
(602) 995-3494
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you legal protection when dealing with debt collectors:
- You can dispute inaccurate credit report entries.
- You can request written validation of any debt.
- You must be treated with fairness and respect.
Knowing these rights can keep you from being taken advantage of—and can often lead to a better outcome.
Take Action to Clean Up Your Credit
Collections can hurt your score, but they don’t have to stay on your report forever. Whether you handle it yourself or get help from a professional, the key is to take that first step.
Credit Saint has over 15 years of experience helping people remove inaccurate collection accounts and rebuild their credit—and they offer a 90-day money-back guarantee if you’re not satisfied.
Call (855) 281-1510 or visit their website to get started.
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.
