When you check your credit report with one or more of the three bureaus, it’s unsettling to see anything negative listed there. If you see the company USCB Corporation, you might be wondering what this company does, whether you’ve been scammed, and how you can have a debt with them when you’ve never heard of them.
There are things you can do to remove USCB Corporation from your credit report, and if relevant, stop their phone calls as well.
USCB Corporation is an accounts receivable management company, which is another way of saying they are a third-party debt collection agency. Debt collectors can include agencies like USCB Corporation and lawyers who collect on behalf of businesses. Another category of debt collector company is one that outright buys debts past due from other businesses and then tries to collect them. These are often called debt buyers.
There are two main areas where USCB Corporation focuses its collection efforts. The first is on higher education debt. The second is healthcare debt.
This company is not a scam. They are a legitimate company with national licensing. The company is based in Eynon, Pennsylvania, and has accreditation with the Better Business Bureau. Despite maintaining an A-rating with the BBB, there are quite a few customer reviews that are negative, and various complaints against the company in recent years.
Many people with complaints say that USCB Corporation is attempting to collect a debt from them that’s not theirs or isn’t valid. There are reports from consumers who say that even when they were able to get details of their debt from USCB Corporation, it doesn’t match a company they’ve ever done business with.
You have the right to dispute debts under the Fair Credit Reporting Act (FCRA) or have an attorney do so on your behalf. After a credit bureau or other company receives notice of a dispute, they have 30 days within which to do an investigation of your claim and give you a response.
You can do this any time there’s information that’s inaccurate or incomplete, and below are some of the specific reasons that are most common for people to dispute debts:
Along with the right to dispute something in your credit file, the FCRA also gives you other rights, including:
As a consumer, you also have protection from certain actions a debt collector might take. The Fair Debt Collection Practices Act (FDCPA) says that debt collectors can’t use threats, deception, or harassment as part of trying to collect from you.
Debt collectors can’t call you back-to-back, keep calling you at work if you ask them not to, or call you before 8 a.m. Under the FDCPA, debt collectors are also prevented from calling you after 9 p.m.
While you have rights under the FCRA, it’s difficult to ensure they’re protected in many cases. Debt collectors are notorious for not responding to requests for information from consumers or taking their disputes seriously. While you can technically submit a dispute to USCB Corporation on your own, they might be unresponsive or refuse to update or remove wrong information.
The best course of action is to work with an FCRA attorney who can make sure that your rights are fully protected.
An FCRA attorney can initiate contact with USCB Corporation on your behalf, and work with them on your dispute, making sure they follow through with removing information ultimately found to be wrong.
If you don’t talk to an attorney first, you could acknowledge the debt with USCB Corporation, and that might restart the statute of limitations, taking it longer to fall off your credit report.
Even if you think you do owe a debt that USCB Corporation is contacting you about, it’s still a good idea to talk to a lawyer first. Paying for something in collections isn’t the right step for everyone. For example, it might still stay on your credit report even after you pay it.
Once we help you take care of the situation with USCB, we encourage you to monitor your credit score and reports regularly. You want to ensure that the information from USCB is deleted first, but also want to stay on top of any other mistakes that might happen. For a lot of consumers, their credit report and finding unfamiliar information there is what first lets them know they’re an identity theft victim.
At Fair Credit, we understand the stress and uncertainty that comes with having something negative on your credit report. It can affect many areas of your life, including your ability to get a home, car, and job.
Contact us today, and we’ll do a free case review to outline the steps we think are best for you to deal with USCB Corporation, and we can take them on your behalf, so it’s a concern you don’t have to bother with anymore.