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How to remove Houston Unlimited Inc from your credit report

Last updated 06/29/2024 by

Silas Bamigbola

Edited by

Fact checked by

Summary:
If you have a collection account from Houston Unlimited Inc on your credit report, it can significantly impact your credit score. This article provides a comprehensive guide on who Houston Unlimited Inc collects for, how to remove their entries from your credit report, and what your rights are when dealing with them. Learn the steps to protect your credit score and get professional help if needed.
Houston Unlimited Inc is a name that might appear on your credit report, often causing concern and confusion. As a debt collection agency, they can significantly impact your credit score and financial health. This guide aims to provide a detailed understanding of Houston Unlimited Inc, their operations, and actionable steps to handle their collections on your credit report.

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Who Houston Unlimited Inc collect for

Houston Unlimited Inc is a debt collector reporting a collection account on your credit report. In some cases, this means they purchased the debt from the original creditor (e.g., a credit card or loan company). Usually, they paid pennies on the dollar, sometimes 1/10th of the original cost, to buy this debt. In other cases, they may not own the debt themselves, instead being paid to collect on behalf of another company.
They may attempt to communicate with you via mail or phone calls, demanding payment. Even worse, a collections account now appears on your credit report, hurting your score and chances of getting approved for a loan or other important financial events.

Pro tip

Regularly checking your credit report can help you catch errors early and dispute them before they impact your score.

Need help with Houston Unlimited Inc?

Speak with one of our friendly Credit Specialists to find out how we can help you.
Call (844) 656-0790

Houston Unlimited Inc phone number

You likely want to call Credit Glory first. The reason? Simple. You may not want to pay Houston Unlimited Inc debt, especially if it’s potentially inaccurate. Paying it off could hurt your score.

How to contact Houston Unlimited Inc

If you need to reach out to Houston Unlimited Inc for any inquiries or disputes, it’s important to use the correct contact information. Make sure to keep records of all communications for future reference. Here’s how you can contact them:
Houston Unlimited Inc contact information
P.O. Box 143, 9400 Hwy 290 East, Chappell Hill, Texas 77426
+1 979-836-7568
Toll-Free: +1 800-448-5876
Fax: +1 979-830-1316
info@houstonunlimitedinc.com

How to file a complaint against Houston Unlimited Inc

If you believe that Houston Unlimited Inc has violated your rights or engaged in unfair practices, you have the option to file a complaint. Here are the steps you can take:
  1. Gather all relevant documentation, including correspondence and records of interactions with Houston Unlimited Inc.
  2. Contact the Consumer Financial Protection Bureau (CFPB) to file a complaint. You can do this online at their website or by calling their toll-free number.
  3. Consider contacting your state’s attorney general’s office or the Federal Trade Commission (FTC) to report any issues.

Steps to verify the debt

When dealing with a debt collection agency like Houston Unlimited Inc, it’s crucial to verify the debt before making any payments. Follow these steps to ensure the debt is valid:
  1. Request a debt validation letter from Houston Unlimited Inc. This letter should include details about the debt, such as the original creditor and the amount owed.
  2. Review the information provided in the debt validation letter carefully. Ensure that the debt belongs to you and that all details are accurate.
  3. If you find any discrepancies or believe the debt is not yours, dispute it with Houston Unlimited Inc and the credit bureaus.

Understanding your credit report

It’s important to regularly check your credit report to ensure that all the information is accurate and up-to-date. Here’s how to do it:
  1. Obtain a free copy of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) through AnnualCreditReport.com.
  2. Review your credit report for any errors, such as incorrect personal information, accounts that don’t belong to you, or incorrect account statuses.
  3. If you find any errors, dispute them with the credit bureau that provided the report. Be prepared to provide documentation supporting your claim.

Pro tip

Consulting with a credit repair specialist can save you time and stress by navigating the dispute process for you.

Negotiating with Houston Unlimited Inc

If you decide to negotiate a settlement with Houston Unlimited Inc, it’s important to approach it strategically. Here are some tips for successful negotiation:
  1. Determine how much you can realistically afford to pay and start your negotiations at a lower amount.
  2. Request that Houston Unlimited Inc removes the collection from your credit report as part of the settlement agreement. Get this agreement in writing.
  3. Make sure to keep records of all communications and payments made during the negotiation process.

Conclusion

Dealing with a collection account from Houston Unlimited Inc can be stressful and confusing, but understanding your rights and the steps you can take to dispute or settle the debt can help protect your credit score. Whether you choose to handle the situation yourself or seek professional assistance, it’s important to address the issue promptly to minimize its impact on your financial health.

Frequently asked questions

What is Houston Unlimited Inc?

Houston Unlimited Inc is a debt collection agency that buys and collects debts from various creditors.

How does Houston Unlimited Inc affect my credit score?

A collection account from Houston Unlimited Inc on your credit report can significantly lower your credit score and impact your ability to get loans or other financial products.

Can I remove Houston Unlimited Inc from my credit report?

Yes, you can dispute any inaccurate, erroneous, or fraudulent information on your credit report. If successful, this can lead to the removal of the collection account.

What are my rights when dealing with Houston Unlimited Inc?

You have the right to dispute any debt that Houston Unlimited Inc is trying to collect. They are governed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

What should I do if Houston Unlimited Inc keeps calling me?

If Houston Unlimited Inc continues to call and attempt to collect a debt, it is best to ignore their calls and contact a professional credit repair company to help you dispute the debt and potentially remove it from your report.

Should I negotiate a settlement with Houston Unlimited Inc?

Settling your debt with Houston Unlimited Inc may help your score, but it may also hurt it. The answer depends on many variables, including whether the debt is valid and if you can afford to pay a settlement.

Is Houston Unlimited Inc legit, fake, or a scam?

Houston Unlimited Inc is a legitimate company. They are not a fake company or a scam, but they may engage in aggressive debt collection practices.

Will Houston Unlimited Inc try suing or garnishing my wages?

It’s very unlikely that Houston Unlimited Inc decides to sue. In rare cases, it may happen, but it is not the norm. State and federal laws have limits or ‘exemptions’ that apply to bank and wage garnishments.

Does Houston Unlimited Inc accept a goodwill letter to remove my collection/charge-off?

Houston Unlimited Inc does not typically accept goodwill letters to remove collection accounts or charge-offs. Most collection agencies do not accept them.

How do I file a complaint against Houston Unlimited Inc?

If you believe that Houston Unlimited Inc has violated your rights or engaged in unfair practices, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.

Key takeaways

  • Houston Unlimited Inc is a legitimate debt collection agency.
  • Disputing incorrect or fraudulent information on your credit report can help remove negative entries.
  • Professional credit repair services can assist in navigating complex disputes and negotiations.

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