Who is United Check Recovery Bureau?
United Check Recovery Bureau (UCRB) is a third-party debt collection agency that operates out of West Seneca, New York. This agency primarily focuses on debt collection, and its primary function is to recover outstanding debts for various creditors.
If you see UCRB listed on your credit report, it typically indicates that you have an unpaid debt which has been transferred to them from the original creditor.
Who does United Check Recovery Bureau collect for?
United Check Recovery Bureau operates on behalf of original creditors, which means it collects unpaid debts for companies that initially lent money or provided services but were not paid. While the exact industries that UCRB serves might vary, such debt collection agencies typically work with a variety of sectors, such as credit card companies, healthcare providers, utilities, and more.
Is United Check Recovery legit or a scam?
United Check Recovery 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 United Check Recovery Bureau 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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United Check Recovery Bureau Contact Information
Address:
United Check Recovery Bureau
3768 Seneca St.
West Seneca, NY 14224
Phone number: (716) 674-2394
Should I contact or pay United Check Recovery?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 United Check Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Check Recovery on behalf of their clients.
Will United Check Recovery sue me or garnish my wages?
United Check Recovery Bureau (UCRB) has the ability to sue debtors for unpaid debts, depending on the size and nature of the debt and the laws in the debtor’s state. This could potentially lead to wage garnishment if a court judgment is obtained against the debtor. However, before this stage, collection agencies usually attempt to resolve the debt through direct contact with the debtor via letters or phone calls.
United Check Recovery Bureau Complaints
Many collection agencies have numerous complaints filed 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 are being harassed by UCRB, you should also 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 United Check Recovery Bureau
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 United Check Recovery Bureau 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.
- United Check Recovery Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- United Check Recovery Bureau 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.
- United Check Recovery Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove United Check Recovery From Your Credit Report Today!
Credit Saint offers assistance with disputing United Check Recovery 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.
