How to Remove United Revenue Corp from Your Credit Report
If you’ve noticed a collections entry from United Revenue Corp on your credit report, it means, unfortunately, that they are pursuing you for an unsettled debt. United Revenue Corp is a debt collection company that acquires and obtains payments for outstanding debt.
A collection account can show up on your credit report and impact your credit score for up to seven years, even after you’ve paid off the debt. It’s not enough to simply pay the outstanding balance; you’ll have to negotiate with United Revenue Corp to remove the collection entry from your report entirely.
In this in-depth guide, we’ll explain how to remove United Revenue Corp from your credit report.
What is United Revenue Corp?
Based in Arlington, Texas, United Revenue Corp is a company that specializes in debt collection. Even though it can be highly unpleasant to work with, it is a legitimate collections company.
When unable to settle a debt, the original creditor will outsource the collections process or sell the debt to a third-party company, such as United Revenue Corp. This company then employs aggressive tactics to get you to repay the debt.
There are certain strategies that are permissible and others that aren’t, such as harassing you and your friends or family.
Am I protected in any way?
Yes! The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how debt collectors interact with their customers and prohibits many abusive behaviors commonly employed by debt collectors.
Some of these behaviors include:
- Calling before 8 a.m. or after 9 p.m.
- Using obscene, abusive, or profane language
- Calling at times that the collector knows are inconvenient
- Using or threatening violence
- Contacting the debtor’s friends, family or employer
Make a note if United Revenue Corp commits any infractions while contacting you. If you report it to the Consumer Financial Protection Bureau (CFPB) it can award you $1,000 per incidence.
Steps to remove United Revenue Corp from your credit report
Removing United Revenue Corp from your credit report is no walk in the park, but it is possible. Here are the essential steps to take to remove their collection entry from your credit report.
- Demand communication in writing
- Write a debt verification letter
- Negotiate a pay-for-delete agreement
- Involve a professional
Only communicate in writing
Most people don’t realize that customers can determine how debt collectors contact them. As a part of the FDCPA, you can request that debt collectors contact you strictly in writing only. This is important because it limits the potential for harassment and provides a paper trail of all communication.
If United Revenue Corp calls you, tell them that it’s your policy to deal with these things in writing. If they try to threaten you, tell them that they are in violation of the FDCPA and hang up. If they continue calling you, send them a cease-and-desist letter.
Write a debt verification letter
The next step in dealing with United Revenue Corp is to send them a letter asking them to verify your debt.
When the original creditor transfers a debt to the debt collector, it’s common for them to lose or mishandle information. This means that it’s possible for you to end up paying for a debt that isn’t yours. You have the right to verify the information to ensure that you’re not footing the bill for someone else’s debt.
When you verify the debt, it’s important to confirm the name it’s in and the dates. This is because each state has a specific statute of limitations regarding debt collection. This is a law that sets the maximum amount of time that parties involved in a dispute have to initiate legal proceedings from the date of an alleged offense.
You can write to United Revenue Corp at the following address:
United Revenue Corp
204 Billings St
Arlington, TX 76010-2495
If the company tries to pursue the debt after the statute of limitations has expired, the credit agency will dismiss the debt. This is a common loophole that can get you out of paying the debt altogether.
Negotiate a pay-for-delete agreement
If the debt turns out to be yours, you can try to arrange a pay-for-delete agreement with United Revenue Corp.
However, it’s rare that companies will agree to this, as credit reporting agencies strongly discourage this practice.
Debt collectors will never tell you this, but they’re often willing to settle for less than the full amount of the debt. Contact United Revenue Corp and begin negotiating with them. Tell them that you will pay half of the debt in exchange for deletion from your credit report. Even if they don’t agree to the pay-for-delete arrangement, they may accept a 50% payment as settlement if you can pay it in one go.
Whatever they agree to, get it clearly stated in writing. Once you receive this agreement by post, make your payment and check your credit report in 30 days. If they go for a pay-for-delete agreement, the entry should have disappeared from your report. If it hasn’t, contact United Revenue Corporation and remind it of your agreement.
Involve a professional
Some people are comfortable dealing with debt collectors themselves, but others prefer to work with a seasoned professional to fix any dings on their credit reports.
A credit repair company specializes in deleting any entries on your credit report that can negatively impact your score. They will deal directly with the collection agencies and may be able to arrange a pay-for-delete agreement for you. This can be useful if you lack confidence in negotiating or simply don’t have the time to deal with a collection agency yourself.
It’s important to do your research before you employ the services of a credit repair company. While there are many helpful companies out there, there are some that will take your money and do nothing with your credit report. Check company reviews to make sure that you aren’t paying for a scam.
How should you deal with United Revenue Corp?
Collection agencies are never a welcome presence in your life, but there are effective ways of dealing with them if they contact you. By asking for all communication in writing, you can keep United Revenue Corp and other collection agencies in line with their promises and the FDCPA.
You should first try to negotiate a deal; if this doesn’t prove fruitful, you can reach out to a professional for assistance. In this way, you should be able to get United Revenue Corp off your back and your credit report back on track.
Update: This article was updated to reflect the current contact information for United Revenue Corp.
Disclaimer: This story was originally published on July 6, 2020, on BetterCreditBlog.org. To find the most relevant information concerning collections or credit card inquiries, please visit: https://money.com/how-to-remove-collections-from-credit-report/ or https://money.com/get-items-removed-from-credit-report/