What is Collection Bureau of America / CBA Collections
What is Collection Bureau of America?
…and why is Collection Bureau of America reporting on my credit reports?
Collection Bureau of America is a collection agency.
You may not have to pay your debt (depending on the age of the debt and your state’s statute of limitations)
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Who Does Collection Bureau of America Collect For?
Collection Bureau of America is a debt collector reporting a collection account on your credit report.
Collection Bureau of America either purchased the debt from the original creditor or has been hired by the original creditor to service the debt.
Collection Bureau of America may send you letters in the mail regarding the debt or call you demanding payment.
But, much more than that, Collection Bureau of America may now be reporting a collection account on your credit reports which lowers your credit scores and decreases your probability of getting approved for a mortgage, auto loan, credit card, apartment, etc…
Getting this account removed may be possible.
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Collection Bureau of America Hurt My Credit Score?
Yes, if Collection Bureau of America is reporting a collection account in your credit report they are lowering your credit scores
How Do I Remove Collection Bureau of America From My Credit Report?
Consumer protection laws such as the FCRA, FCBA, FACTA, and FDCPA allow for the removal of collection accounts such as Collection Bureau of America from your credit reports due to inaccuracies, incomplete information, fraud, or information out of compliance with the law.
Disputing the collection may be a good start but, it may also lower your credit scores.
Debt validation may be a better option but, the way that the account is reported in your credit reports will dictate the best approach to take to deal with this debt.
NOTE: According to the PIRG (Public Interest Research Group), 79% of credit reports contain errors.
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Collection Bureau of America A Collection Agency?
Yes, Collection Bureau of America is a collection agency. They purchase or service past due debt from creditors who have written off the original debt (also known as a charge-off).
Can I Pay Collection Bureau of America To Delete The Collection From My Credit Report?
Collection Bureau of America may agree to delete the collection account in exchange for payment but, this is not very common.
Collection Bureau of America typically updates the balance of the collection account to $0 and changes the status to “Paid Collection” once the account is paid.
Then continues to report the collection for 7 years from the date of the first key delinquency.
Note: Depending on how the account is reporting in your credit reports, paying a Collection Bureau of America collection account may actually lower your credit scores.
Note: If you come to a “Pay-For-Delete” agreement with Collection Bureau of America, make sure you get the terms of your agreement in writing before you make your payment. You don’t want them backing out of the deal and refusing to remove the collection after you have made your payment.
You may be able to get the Collection Bureau of America account removed from your credit reports by leveraging consumer protection laws. Call (800) 750-1416 to find out how.
Can I Settle A Collection Bureau of America Collection?
Settling your debt with Collection Bureau of America may help to increase your credit scores, but it may also lower your credit scores depending on how the collection account is reporting.
The date that the account last reported will dictate whether paying the Collection Bureau of America collection will improve your scores.
The statute of limitations will dictate whether you actually have to pay this debt.
If there are any inaccuracies or non-compliance issues with the collection account, the Collection Bureau of America collection may be removed from your credit reports without any payment.
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is Collection Bureau of America A Scam?
No, Collection Bureau of America is a legitimately licensed debt collector.
If Collection Bureau of America is calling you or reporting a collection account on your credit reports you will need to deal with the issue.
One of the best ways to deal with Collection Bureau of America is a combination of disputes, debt validation, cease and desist orders, and CFPB investigations.
The most hassle-free way to do this is to call (800) 750-1416 or sign up online.
Why Does Collection Bureau of America Keep Calling Me?
Collection Bureau of America is calling you because they are a legitimate debt collector attempting to collect a debt.
You can ignore their calls, in which case they will continue to call/harass you and fill your voicemail with messages.
Or you can deal with the issue heads on; submit a limited cease and desist order to stop all calls, and use consumer protection laws to stop Collection Bureau of America dead in their tracks.
Can Collection Bureau of America Sue Me Or Garnish My Wages?
Your state’s statute of limitations and the age of the debt will determine whether Collection Bureau of America can sue you for the debt but, Collection Bureau of America typically doesn’t sue consumers for collection accounts.
Not to say that it can’t happen but, it’s not typical.
If Collection Bureau of America sues you for the debt there are a number of things that you can do, there are also a number of federal and state laws that have exemptions for wage garnishments.
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does Collection Bureau of America Accept Goodwill Letters To Remove Collections From Credit Reports?
Goodwill letters don’t work with Collection Bureau of America.
The best way to remove a Collection Bureau of America collection from your credit report is to leverage consumer protection laws from the FCRA, FCBA, FDCPA, etc… or through a Pay-For-Delete.
What Are My Rights When Dealing With Collection Bureau of America?
The FCRA allows you the right to dispute any debt that Collection Bureau of America is reporting in your credit reports.
The FDCPA gives you the right to see a copy of the original contract/agreement that you signed with the original creditor for this debt, along with a breakdown showing how you accumulated the balance that you are past due.
If Collection Bureau of America fails to produce these documents 30 days after receiving a written request, the FDCPA demands that Collection Bureau of America remove the collection account from your credit report.
These are just a few examples of your consumer rights. Get to know the FCRA, FCBA, FDCPA, and FACTA.
Need Help With Collection Bureau of America?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
What Is Collection Bureau of America Phone Number?
Before calling Collection Bureau of America call CreditFirm.net at 800-750-1416 and speak with a credit consultant about your options.
Remember that you’re only liable for a debt if it is still within your state’s statute of limitations and Collection Bureau of America must remove the collection from your credit reports if they cannot provide all of the proper validation documents.
Where Can I Find Collection Bureau of America Login?
Logging in to Collection Bureau of America may be a good idea.
Read the fine print and ensure you’re not waiving any consumer protection rights when logging in.
We strongly recommend calling a Credit Repair company (like us) so we can review why Collection Bureau of America is on your report and see how we may be able to use the FCRA, FDCPA, FCBA, etc… to remove the Collection Bureau of America collection account from your credit reports.
Remove Collection Bureau of America From My Credit Report
CreditFirm.net has helped thousands of our clients remove Collection Bureau of America collection accounts from their Experian, Equifax, and TransUnion credit reports.
If you’re looking for a reputable company to help you deal with Collection Bureau of America and increase your credit score, give us a call at 800-750-1416.