Who is USAA?
USAA Federal Savings Bank or United Services Automobile Association is a financial services company based in San Antonio, Texas.
They provide millions of military members and their families with insurance, banking, credit cards, auto loans, investments, and retirement services.
You may see USAA listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent 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.
(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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
USAA Contact Information
Address:
USAA
9800 Fredericksburg Rd
San Antonio, TX 78288
Phone number: (800) 531-8722
Should I contact or pay USAA?
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 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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the USAA debt with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with USAA again.
USAA 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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Remove USAA Collections From Your Credit Report Today!
Lexington Law can assist you in disputing USAA collections accounts and charge offs. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
