If you’re receiving calls from USCB America, you most certainly have an overdue debt hanging over your head.
Regrettably, this indicates that it has established a collection account on your credit report and is seeking to collect payment. Not only is dealing with USCB America unpleasant, but notifying the credit reporting companies (Experian, Equifax, and Transunion) might harm your credit score for years to come. Collection accounts on your credit report are extremely harmful to your credit health.
If prospective lenders discover any collection accounts on your credit record, they will almost certainly reject you a loan based on your past. It’s crucial to erase any negative entries so that you are able to make substantial purchases down the line.
What is USCB America?
USCB America, headquartered in Los Angeles, is a medium-sized debt collection firm, also known as an accounts resource management organisation, that has been in operation since 1968. It claims to be California’s biggest privately held receivable and resource management solutions firm, according to its website. It is a debt collecting agency that works on behalf of hospitals and other health care providers.
Is USCB America legit?
USCB America is not a scam; it is a real corporation.
It is exceptionally disliked with its consumers, even for a respectable debt collector. It has received over 170 complaints from the Consumer Financial Protection Bureau and around 260 complaints from the Better Business Bureau in the last three years.
The accusations concern the inability of this to react to debt validation requests, harassment, and erroneous debt reporting.
Steps to remove USCB America from your credit
The process of removing a collection entry from your credit report may seem daunting, but it’s entirely doable.
Here are the important steps to take to get rid of your USCB America once and for all:
- Get everything in writing.
- Request debt validation.
- Make a pay-for-delete agreement.
- Hire a professional.
Get everything in writing
When dealing with debt collectors, the first step is to insist that they only interact with you in writing. You are permitted to do so under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act, and this must cooperate with your request.
In the case of USCB America, if it breaches HIPAA regulations when attempting to collect medical bills or medical debts, you will almost certainly be released from liability. Debt collectors frequently make misleading promises over the phone. After all, it’s your word against theirs, and they’re not obligated to anything unless you provide proof.
Request debt validation
If you have gotten USCB America to start communicating in writing, the next step is to have it validate your debt. It is normal for information to be lost during the transfer from the original creditor to USCB America. It’s even conceivable that the debt isn’t yours. That is why you must make a request for debt validation as soon as feasible.
A debt validation letter is a formal request for this to validate the information related with your debt.
Make a pay-for-delete agreement
If the debt is yours, you should try to work out a pay-for-delete deal with this. This is a long shot, but if nothing else works, it’s worth a go. It can prevent pay garnishment or other legal actions.
We are frequently asked, “Would USCB America sue me to recover payment?” Unfortunately, the answer is “Yes, it’s extremely feasible.”
When you get into a pay-for-delete agreement, you promise to pay a portion of your debt in return for the firm not reporting your debt to credit bureaus. This is a win-win situation for both sides; you have the bad entry removed from your report, and it receives a portion of the debt paid.
Hire a professional
If you are too busy to deal with USCB America directly, you could hire a credit repair business to remove the entry for you. Credit repair firms assist customers in removing incorrect, incomplete, or false information from their credit reports. This might help you boost your credit score and get back on track with your financial objectives.
