If Waypoint Resource Group shows up on your credit report, it likely means an unpaid debt has been sent to collections. Here’s what that means—and how to deal with them.
Who Is Waypoint Resource Group?
Waypoint Resource Group, LLC is a debt collection agency based in Round Rock, Texas. They work on behalf of businesses to collect unpaid debts from consumers.
If they appear on your credit report, it means they are trying to recover money tied to your name that the original creditor could not collect.
Who Does Waypoint Resource Group Collect For?
Waypoint Resource Group collects debts across several industries, including:
- Automotive lenders – Recovering unpaid car loans or service-related bills
- Telecommunications companies – Collecting unpaid cable, satellite, or phone bills
- Energy and utility providers – Collecting unpaid gas, water, or electricity bills
- Healthcare providers – Collecting unpaid medical bills, including hospital or clinic charges
If you have an outstanding bill in any of these areas, your debt may have been turned over to Waypoint Resource Group.
Is Waypoint Resource Group Legitimate?
Yes, Waypoint Resource Group is a real debt collection agency. But even legitimate collectors can:
- Report inaccurate information to credit bureaus
- Attempt to collect debts that don’t belong to you
- Make mistakes when contacting consumers
Always verify the debt before agreeing to pay.
How to Remove Waypoint Resource Group From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but they may be removed sooner if you take the right steps:
- Dispute errors – If the account information is incorrect, file a dispute with the credit bureaus.
- Request debt validation – You have the right to request written proof the debt belongs to you and the balance is accurate.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Always get the agreement in writing first.
- Work with a credit repair company – Professionals can assist in challenging negative items and improving 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 Contact or Pay Waypoint Resource Group?
Before making payments, confirm the debt is valid and accurately reported. Credit reports often contain mistakes, and paying a debt without verification can sometimes restart the statute of limitations, depending on your state.
Many people choose to work with credit repair professionals to handle collections from Waypoint Resource Group and avoid damaging their credit further.
Can Waypoint Resource Group Sue You or Garnish Your Wages?
Yes, Waypoint Resource Group can sue for unpaid debts. If they win the lawsuit, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
That said, most collectors prefer to set up a payment plan or settlement instead of pursuing legal action, as lawsuits take time and money.
Complaints About Waypoint Resource Group
Like many collection agencies, Waypoint Resource Group has complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or repeated calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Waypoint Resource Group
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which provide protection for consumers.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Knowing your rights can help you handle the situation with confidence.
Waypoint Resource Group Contact Information
Address:
Waypoint Resource Group, LLC
301 Sundance Pkwy
Round Rock, TX 78681
Mailing Address:
Waypoint Resource Group, LLC
P.O. Box 8588
Round Rock, TX 78683-8588
Phone:
(866) 447-4163
Get Help Removing Waypoint Resource Group From Your Credit Report
Collection accounts can hurt your credit score, but you don’t have to deal with them alone. Credit Saint has over 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from Waypoint Resource Group.
They even offer a 90-day money-back guarantee, giving you extra peace of mind.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
