WCTCB on Your Credit Report? Fight Back and Win

Last Updated:
April 14, 2023

West Central Texas Collection Bureau (WCTCB) is a debt collection company based in Abilene, TX. Over the years, they have built a reputation as a company that uses aggressive debt collection tactics that makes its fair share of mistakes. 

Constant calls from WCTCB can be frustrating and stressful. That’s especially true if they appear on your credit report due to identity theft or a credit reporting error. 

If you’re tired of dealing with WCTCB on your own, we’re here to help. Contact us today for your free case review. Continue reading to learn everything you need to know about WCTCB, including how to stop the calls and remove them from your credit report. 

Is WCTCB a Scam?

West Central Texas Collection Bureau is not a scam. They are a legitimate debt collection agency mainly representing businesses in West Texas. That said, since 2009, they’ve amassed many negative complaints and online reviews. Many of the complaints are about alleged FCRA violations.

It’s important to note that you don’t have to deal with harassment or FCRA violations from debt collectors like WCTCB. You have rights. Collection agencies must adhere to specific consumer laws. If they violate your rights, you can dispute the debt, get it removed from your credit report, and potentially seek damages.

West Central Texas Collection Bureau Contact Information

Suppose you check your credit report and find that WCTCB has reported negative information about a medical bill you know your insurance took care of. In that case, it’s understandable if you want to contact them to get to the bottom of this error and correct it as quickly as possible. Here is the most updated contact information for WCTCB: 

  • Phone Number: 1-325-673-7831
  • Website: WCTCB.com (may be down for construction)
  • Address: 1133 N 2nd St, Abilene, TX 79601

It’s essential to be careful of what you say when dealing with debt collectors. That means never admitting to owing the debt, not discussing your ability to pay, and getting any agreement in writing.

Who Does WCTCB Collect For?

WCTCB typically collects debt on behalf of healthcare institutions in West Texas. That includes:

  • Medical groups
  • Hospital systems
  • Private practitioners
  • Clinics
  • And more

However, they may have contracts with other companies across various industries. Some of their most notable clients include Radiology Associates, Hendrick Medical Center, and MSN Health Solutions.

With that in mind, if you’re receiving calls or have negative marks on your credit report due to a medical bill from a company you’ve never heard of or a debt you’ve already paid, you have rights. Contact us today to learn how to remove common credit reporting errors from your report as fast as possible.

Why is WCTCB Calling Me?

If you are a resident of Texas, you may be getting calls from WCTCB, which is one of the largest debt collection agencies in Texas, along with Southwest Credit Systems and several others. They might be trying to contact you for one of several reasons- such as an unpaid debt that has been transferred to them for collection, a credit reporting mistake, or identity theft.

It's important to note that under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), debt collectors are obligated to follow certain regulations. If they appear to be in violation of your rights or acting unlawfully, it is recommended that you consult a qualified attorney who specializes in consumer protection law.

Such an attorney can inform you of your rights and take action against potential harassment or intimidation from WCTCB. They can also help with legal processes and negotiations, such as working out a settlement agreement or payment plan that better serves your interests.

How Do I Get West Central Texas Collection Bureau Off My Credit Report?

Here are some additional ways to remove a collection agency like West Central Texas Collection Bureau (WCTCB) from your credit report:

  • Dispute the debt

If you believe that the debt is not accurate or valid, you can dispute it with the credit reporting agency. Typically, this can be done online or by mail, and they have 30 days to investigate your claim.

  • Negotiate a settlement

If you do owe the debt, try negotiating for a lower amount than what is owed. This could be helpful if you cannot pay the full amount.

  • Hire a credit repair company

It's possible to find companies that specialize in fixing credit reports- they may be able to help remove any negative items, such as collections. Do your research before choosing one!

  • Seek legal assistance

If the debt was obtained through FDCPA or FCRA violations, consider taking legal action against WCTCB with an experienced attorney who understands consumer protection law.

It's essential to take action to address negative items on your report as they can affect your credit score and overall financial well-being. At Fair Credit, our attorneys are here to help you fight against FCRA violations or negotiate a fair debt repayment agreement with WCTCB. Contact us now for your free case review.

Is a Pay-For-Delete Agreement Possible With WCTCB?

WCTCB may agree to a pay-for-delete agreement, in which the total amount of the debt is paid in exchange for having the negative item removed from your credit report. However, it's crucial to bear in mind that not all collection agencies will accept this type of deal, and even if they do, there are no guarantees.

Having a qualified professional help negotiate and secure the agreement is strongly recommended. Additionally, a pay-for-delete agreement may not completely erase the impact of the debt on your credit report; other records, such as public records or court filings, could still display the record of your debt.

If you are currently dealing with debt and need guidance, consult an expert who can explain your rights and available options.

Give Us a Call For Your Free Case Review Today

Are you tired of the debt collection calls from WCTCB? Our attorneys are here to help you fight against credit reporting errors, negotiate a fair settlement (if necessary), and protect your consumer rights.

Whether you believe you’ve been treated unfairly or want to pay your debt to West Central Texas Collection Bureau but don't know how to handle it, we’ve got your back. Schedule your free case review today.

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