Seeing Vengroff Williams on your credit report? A collection account like this can hurt your credit score—but there are steps you can take to deal with it.
Who Is Vengroff Williams?
Vengroff Williams, Inc. (VWI) is a third-party debt collection agency headquartered in Sarasota, Florida. They also operate offices in California, New York, and Illinois.
If you’ve fallen behind on a bill, the original creditor may have sold or transferred your debt to Vengroff Williams. Once that happens, they can report the account as a collection on your credit report, which can lower your score.
Who Does Vengroff Williams Collect For?
Vengroff Williams collects unpaid debts on behalf of different businesses, including:
- Banks and credit card companies
- Medical providers such as hospitals and clinics
- Retailers and service companies
If you owe money to one of their clients, Vengroff Williams may contact you to collect the debt.
Is Vengroff Williams a Legitimate Company?
Yes, Vengroff Williams is a real debt collection agency. They have been in business for decades and are authorized to collect debts for their clients. Still, always confirm the details before sending payments. Debt collectors sometimes contact the wrong person, or report inaccurate information.
How to Get Vengroff Williams Off Your Credit Report
A collections account can stay on your credit report for up to seven years, making it harder to qualify for loans, credit cards, or even housing. Here’s how to address it:
- Check for errors: Review the account details carefully. If anything is incorrect, file a dispute with the credit bureaus to have it removed.
- Request a pay-for-delete: You may be able to negotiate payment in exchange for removing the account from your credit report. Get any agreement in writing before paying.
- Consider credit repair services: Credit repair companies help challenge collections and remove inaccurate items from your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Vengroff Williams?
Before contacting Vengroff Williams, confirm that the debt belongs to you, the amount is accurate, and it’s still legally collectible. Paying certain old debts can restart the statute of limitations, giving the collector more time to pursue you.
If you’re unsure, working with a credit repair expert can help you understand your options and avoid making the situation worse.
Can Vengroff Williams Take Legal Action?
Yes, Vengroff Williams has the option to sue for unpaid debts. If they take you to court and win, they could obtain a judgment to garnish your wages or take other legal steps to collect the debt, depending on your state laws.
That said, lawsuits are usually a last resort, and many collectors prefer to settle the debt outside of court.
Vengroff Williams Complaints
Vengroff Williams, like many collection agencies, has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect reporting to credit bureaus
- Harassment or aggressive collection tactics
- Failure to verify debts
If you believe your rights are being violated, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With Vengroff Williams
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair treatment by debt collectors. Here’s what those laws guarantee:
- They cannot report false or incomplete information about you.
- You can request written debt validation, and they must provide proof the debt is yours within 30 days.
- Harassment, threats, or abusive language are illegal.
- They must clearly identify themselves as a debt collector in all communications.
- They cannot threaten arrest or imprisonment over unpaid debts.
Vengroff Williams Contact Information
Address:
Vengroff Williams, Inc.
2211 Fruitville Rd
Sarasota, FL 34237
Phone: (941) 363-5200
How to Remove Vengroff Williams From Your Credit for Good
Tired of collections damaging your credit? Credit Saint has been helping people dispute negative items for over 15 years—including accounts from Vengroff Williams.
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Call (855) 281-1510 or visit their website to find out how they can help improve your credit.
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.
