How to Remove United Revenue Corp from Your Credit Report
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If you’ve noticed a collections entry from United Revenue Corp show up on your credit report, you are unfortunately being pursued for an unsettled debt. United Revenue Corp is a debt collection company that acquires and obtains payments for outstanding debt.
The presence of a collection account on your credit report can impact your credit score for up to seven years, even after you have paid off the debt. It is not enough to simply pay your outstanding balance; you must negotiate with United Revenue Corp to remove the collection entry from your report entirely.
To learn more about how you can remove United Revenue Corp from your credit report, read our in-depth guide below.
What is United Revenue Corp?
Based out of Arlington, Texas, United Revenue Corp is a company that specializes in debt collection. Even though they are highly unpleasant to work with, they are a legitimate collections company.
United Revenue Corp’s role in the process is to obtain the debt that the original creditor was unable to get. The original creditor will outsource the collections process or sell the debt to a third-party company.
In this case, this company is United Revenue Corporation. This company then employs aggressive tactics to get you to repay the debt. They may threaten and harass you and your friends or family. All of this is unacceptable under the FDCPA.
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. Many debt collectors use tactics such as threats, harassment, and lies in order to scare you into making payments.
The FDCPA 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 friends, family, or employer
When you have contact with United Revenue Corporation, make note if they commit any infractions. You may be entitled to $1,000 per incidence if you report it to the Consumer Financial Protection Bureau (CFPB.)
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
The first step to dealing with United Revenue Corp is to request communication strictly in writing.
Most people don’t realize that customers are allowed to request how debt collectors contact them. As a part of the FDCPA, you may request that debt collectors contact you strictly in writing. This is important because it keeps them honest about their promises and prevents harassment.
When United Revenue Corp calls you, tell them that it’s your policy to deal with these things in writing. If they try to berate 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.
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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 a debt is transferred from the original creditor to the debt collector, it is not uncommon for information to get lost or mishandled. This means that it is possible for you to end up paying for a debt that isn’t yours. You have the right to verify information associated with a debt to ensure that you are not footing the bill for someone else’s debt.
When you verify the debt, it is important to confirm the name and dates associated with the debt. This is because each state has a specific statute of limitations regarding debt collection.
If the company tries to pursue the debt after the statute of limitations has expired, the debt must be dismissed. 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 will need to make a pay-for-delete agreement with United Revenue Corp.
Debt collectors would never tell you this, but they are 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 on your credit report.
If they agree, get the agreement clearly stated in writing. Once you get this agreement, make your first payment and check your credit report in 30 days. The entry should be deleted from your report per your agreement. If it isn’t, contact United Revenue Corporation and remind them 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 report. If you prefer to work with a professional, you may want to contact a credit repair company.
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 come up with a pay-for-delete agreement for you. This can be useful if you are unsure of your negotiating skills or simply do not have the time to deal with a collection agency yourself.
It is 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.
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How Should You Deal With United Revenue Corp?
Collection agencies are never going to be a welcoming presence in your life, but there are effective ways of dealing with them should they contact you.
By getting everything in writing and communicated meaningfully with them, you can keep United Revenue Corp and other collection agencies in line with their promises and the FDCPA.
By following the steps above, you can get United Revenue Corporation off your back and get your credit report back on track.
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