USAA Collections


Is USAA Collections hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is USAA?

United Services Automobile Association, commonly known as USAA, is a financial services group based in San Antonio, Texas. Established in 1922 by a group of U.S. Army officers, it was initially created to provide mutual self-insurance for its members. Since then, it has grown exponentially and now serves millions of military personnel and their families across the country.

USAA offers a comprehensive suite of financial products and services. This includes insurance services, spanning from auto and home insurance to life and health insurance. They also offer banking services, ranging from checking and savings accounts to certificates of deposit. In addition, they provide credit cards and auto loans, helping members manage their finances and purchase vehicles.

You may see USAA listed on your credit report as a collections account. This typically happens when a bill or a loan payment has been neglected, and the account was transferred to USAA’s collection department.

How can I remove USAA Collections from my credit report?

USAA 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.

(Though debt collectors may not want this 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 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.

USAA Contact Information


9800 Fredericksburg Rd
San Antonio, TX 78288

Phone number: (800) 531-8722

Should I contact or pay USAA?

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 Credit reports can contain errors or list debts that are no longer valid.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 USAA collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like USAA on behalf of their clients.

Will USAA sue me or garnish my wages?

USAA does have the ability to sue for unpaid debts. If they decide to pursue a lawsuit and the court rules in their favor, they could potentially garnish your wages or levy your bank account, depending on your state’s laws.

However, these legal actions are often a last resort. Before it reaches this stage, USAA typically offers multiple opportunities for you to arrange a payment plan or negotiate a settlement.

USAA Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with USAA, you should also consider filing a complaint.

USAA currently has an A rating with the Better Business Bureau.

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.

Remove USAA Collections From Your Credit Report Today!

Credit Saint can help you dispute USAA collections accounts and charge offs. 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

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.