Who is Credit Bureau of Bessemer?
Credit Bureau of Bessemer, Inc. (CBBI) is a debt collection agency based in Bessemer, Alabama. The company specializes in managing and collecting unpaid debts from individuals on behalf of a range of businesses and service providers.
If you see CBBI appearing on your credit report as a collections account, it’s typically an indicator that there is an unpaid debt they are attempting to collect.
Who does Credit Bureau of Bessemer collect for?
Credit Bureau of Bessemer collects for a variety of sectors, including dental and medical practices, financial services, rental properties, retail businesses, and utility companies. They handle unpaid bills, invoices, rents, and credit accounts for these clients.
Is Credit Bureau of Bessemer legit or a scam?
Credit Bureau of Bessemer, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Credit Bureau of Bessemer from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Credit Bureau of Bessemer, Inc. Contact Information
Address:
Credit Bureau of Bessemer
1920 3rd Ave N
Bessemer, AL 35020
Phone number: (205) 428-3231
Should I contact or pay Credit Bureau of Bessemer, Inc.?
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 Credit reports can contain errors or list debts that are no longer valid.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 Credit Bureau of Bessemer is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Bureau of Bessemer, Inc. on behalf of their clients.
Will Credit Bureau of Bessemer, Inc. sue me or garnish my wages?
Credit Bureau of Bessemer, Inc. has the legal right to sue for unpaid debts. If they are successful in their lawsuit and a court judgement is issued in their favor, they might be permitted to garnish your wages or take other legal action to recover the debt, depending on the laws of your state.
However, it’s worth noting that wage garnishment and lawsuits are often last resorts for debt collectors and they typically prefer to resolve the debt by working out payment arrangements with you.
Credit Bureau of Bessemer, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
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.
Your Rights When Dealing with Credit Bureau of Bessemer, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Credit Bureau of Bessemer, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Credit Bureau of Bessemer cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Bureau of Bessemer must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Credit Bureau of Bessemer cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Credit Bureau of Bessemer From Your Credit Report Today!
Credit Saint offers assistance with disputing Credit Bureau of Bessemer collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
