Who is Unifin?
Unifin, Inc. is a debt collection agency based in Niles, Illinois. They provide services that help creditors recover unpaid debts.
If you see Unifin listed on your credit report as a collections account, this typically signifies an unpaid bill or delinquent debt that has been turned over to the agency for collection.
Who does Unifin collect for?
Unifin works with a variety of clients, helping them to recover delinquent debts. These clients can range from credit card companies to utility and telecommunications providers.
For example, if a student loan borrower falls behind on their payments, the lender may engage Unifin to collect the debt. Similarly, if a patient has an unpaid medical bill, healthcare providers may involve Unifin to recover the outstanding amount. Even government agencies might use Unifin’s services for collection of unpaid taxes or fines.
Is Unifin legit or a scam?
Unifin is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, if you have received a letter from them, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Unifin 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.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Unifin, Inc. Contact Information
Address:
UNIFIN, Inc.
5996 W Touhy Ave Ste 2000
Niles, IL 60714
Mailing address:
UNIFIN, Inc.
PO Box 4519
Skokie, IL 60076
Phone number: (888) 572-3987
Should I contact or pay Unifin, 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 Credit reports can contain errors or list debts that are no longer valid.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 Unifin, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Unifin, Inc. on behalf of their clients.
Will Unifin, Inc. sue me or garnish my wages?
Unifin, Inc. has the potential to sue you when attempting to collect a debt. This usually happens if a debt goes unpaid for a long time. If the court judgement is in their favor, they might have the legal right to garnish your wages until the debt is paid in full.
This doesn’t always mean they will choose to sue or garnish your wages. It’s also important to note that the exact processes can vary by state due to state-specific laws.
Unifin, Inc. Complaints
Most debt collection agencies have numerous complaints filed against them 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 Unifin, Inc.
In the United States, a debt collector 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 Unifin, 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.
- Unifin, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Unifin, Inc. 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.
- Unifin, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Unifin From Your Credit Report Today!
Credit Saint offers assistance with disputing Unifin collections. 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.
