How to Remove EOS CCA from Your Credit Report
Debt collectors can be a real nuisance, calling, sending letters, and leaving messages frequently.
They can also severely impact your credit score, limiting your future borrowing options for years to come.
If General Service Bureau has reached out to you about a debt that you owe them, you may have questions.
We’re here to answer them and provide you with the resources you need to get the collections agency deleted from your credit report, ASAP.
What Is General Service Bureau?
Even though you’ve probably never heard of General Service Bureau, the debt collection agency is legit.
It was founded in 1946, under the full name of General Sevice Bureau, Inc. Today, the company’s headquarters are in Omaha, Nebraska.
Their address, which you will need for your correspondence with them, is below:
- 10303 Crown Point Avenue #210
Omaha, NE 68134
GSB collects for healthcare providers and is made up of two organizations, General Service Bureau, Inc., and Early Out Services, Inc.
How to Remove General Service Bureau from Your Credit Report
Ready to get GSB’s collections entry removed from your credit report?
You can do it with one of the simple tips here:
- Get validation
- Negotiate a partial payment
- Seek help from a professional
With one of these approaches, you can get GSB to stop calling and boost your credit score.
1. Get Validation of Your Debt
Among its many features, the Fair Debt Collection Practices Act requires debt collectors to prove that you owe them before they can collect.
All you need to do is mail them a brief debt validation letter.
Many times, collections agencies don’t have the documentation they need, meaning the collections entry should be dropped from your report immediately.
If you don’t owe GSB money and have wound up on their radar in error, then you should certainly start out by asking for debt validation.
But even if you did miss payments on your medical bills, this is an approach worth trying.
The key to this strategy is working quickly. You have 30 days from the time GSB first contacts you to dispute your debt.
2. Negotiate a Partial Payment with General Service Bureau
Sometimes debt collectors are able to validate debts. If that happens, or you were too late to submit a letter, you still have options.
The next best strategy is to negotiate a pay-for-delete agreement. As you might have guessed by the name, this arrangement involves paying the agency in exchange for them deleting their credit entry from your report.
If you simply go online or submit your payment info over the phone to GSB, it won’t do your credit score much good.
To be sure the entry is removed from your report, you need to negotiate an agreement. You should also be sure to do so in writing to ensure GSB keeps its promise once you make your payment.
There’s more good news. More often than not, you can get debt collectors to agree to have your entry deleted without paying the full balance you owe.
Once an agreement has been reached and payment received, you should see the effects on your credit score within a few weeks’ time.
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If a month has gone by and there’s still no change, send a followup letter to GSB reminding them of your agreement.
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3. Seek Help from a Credit Repair Professional
Dealing with debt collectors can be a hassle, taking time out of your busy schedule.
If you want the convenience of not having to deal directly with GSB, you might want to look into hiring a credit repair company.
These companies are experts at disputing debts and negotiating pay-for-delete-agreements.
Most importantly, they’ll put in all the time and effort it takes to get the negative entry removed from your credit report quickly.
Whether you’re busy, anxious about talking to debt collectors or overwhelmed by a messy credit situation, credit repair services can help.
A company like Credit Saint or Lexington Law can get your credit score back on track, for an affordable fee. However, if you want to save money and deal directly with GSB yourself, you have all the tools you need.
Either way, there’s no time like today to start improving your credit.
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How Does General Service Bureau Work?
When businesses are unsuccessful at collecting payments from their customers, they employ the services of debt collection agencies, or they sell them the ownership of the debts for pennies on the dollar.
Once your debt is placed in collections, a collections entry is added to your credit report.
Since your payment history constitutes 35% of your credit profile, this type of entry can do major damage to your score, with multiple debts in collection dropping it even further.
Collections entries stay on your credit report for a total of 7 years, regardless of if you pay off your debts or not (we’ll walk through how to get them off quickly below).
The collections agency, in this case, General Services Bureau, can call you, send letters, and use automated calling services in an attempt to collect the debt.
Here’s how you can stop them.
Dealing With General Service Bureau
General Service Bureau claims that it is dedicated to dealing with debtors in a respectful and friendly manner.
Though there are certainly complaints against the agency, which you can find on the Better Business Bureau or Consumer Financial Protection Bureau’s websites, they have accumulated far fewer complaints than other agencies of their kind.
The most common complaints against GSB and other debt collectors include:
- Not validating debts
- Incorrect reporting
- Harassing collection tactics
Many consumers are unaware of the rights granted to them by the Fair Debt Collection Practices Act.
It keeps debt collectors in check, restricting how and when they can contact you and stopping them from threatening to take illegal actions against you if payments aren’t made.
It also lets you stop the agency’s phone calls completely. We always recommend contacting GSB or any other collections agency by mail instead of over the phone.
If anything goes amiss in your attempts to work with them, you’ll have a well-documented case. It holds the agency accountable to your agreements about getting them removed from your report, too.
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