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Get USCB America Off Your Credit Report

Last updated 05/04/2024 by

Silas Bamigbola

Edited by

Fact checked by

Discovering USCB America on your credit report can be alarming, especially if the entry is erroneous. This guide explains how to assert your rights under the Fair Credit Reporting Act (FCRA) to challenge and remove inaccuracies linked to USCB America, ensuring your credit score remains accurate and reflects only your true financial behavior.
No one wants to deal with debt collectors unnecessarily, particularly when the debt reported is incorrect. An erroneous report from a collection agency like USCB America can significantly impact your financial reputation. This guide provides essential insights into what USCB America is and detailed steps to remove it from your credit report.

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What is USCB America?

USCB America is a debt collection agency that partners primarily with healthcare and utility providers to collect outstanding debts. Knowing your rights when dealing with debt collectors like USCB America is crucial, as these interactions can greatly influence your financial health.

Pro tip

Always verify the authenticity of the debt claimed by collectors and understand your rights to dispute any inaccuracies effectively.

Does USCB America affect my credit score?

A debt reported by USCB America can have a significant negative impact on your credit score, potentially staying on your report for up to seven years. Understanding your rights under the FCRA is essential for managing your credit health effectively.
  1. Ensure all debts are reported accurately by regularly reviewing your credit report.
  2. Act promptly to dispute any discrepancies you discover.

Pro tip

Obtain a free copy of your credit report annually from each major credit bureau at

How to remove USCB America from your credit report?

Addressing a USCB America entry on your credit report promptly is vital, whether the debt is legitimate or not. Follow these detailed steps:
  1. Obtain your credit report for free from major credit reporting agencies to verify the accuracy of the debt listed.
  2. If you find discrepancies, initiate a dispute with the credit bureaus providing necessary documentation.
  3. If the debt is confirmed but questionable, consider seeking a professional legal opinion.
  4. Engage with USCB America directly if inaccuracies persist, requesting a detailed explanation and correction.

Request all correspondence in writing

Maintain a detailed record of all communications by insisting on written responses from USCB America. Contact them at:
USCB America Contact Information
355 S Grand Ave 32nd Fl, Los Angeles, CA 90071
Ph +1 213-387-6181

Request a debt validation letter

USCB America is required by law to send you a written validation notice within five days of their initial contact, detailing the amount of the debt and the name of the creditor, along with your rights to dispute the debt.
  • Contact information for the debt collector.
  • Name of the original creditor.
  • Details of the debt, including any fees and the total amount due.
  • Instructions on how to proceed if you dispute the debt.

Pro tip

Use certified mail for all your communications to ensure there is an official record.

File a dispute with the credit bureaus

If the debt is not yours or USCB America fails to validate it adequately, file a dispute directly with the credit bureaus. Each bureau has its own procedure but generally requires supporting documentation to process disputes.
P.O. Box 4500, Allen, TX 75013
P.O. Box 740256, Atlanta, GA 30374
TransUnion LLC, Consumer Dispute Center
P.O. Box 2000, Chester, PA 19016

Negotiate a pay-for-delete agreement

If the debt is legitimate, you may consider negotiating a settlement where you agree to pay a portion of the debt. However, be aware that credit reporting standards typically dictate that accurate negative information should remain on your credit report until it ages off naturally.

Monitor your credit report

Approximately 30 days after taking action, review your credit report to ensure the entry has been removed. If no changes have occurred, consider escalating the issue by filing a formal complaint.

How to file a complaint against USCB America

If you believe USCB America has violated any legal standards in their debt collection practices, you have options to file a complaint:
  • File a complaint with the Consumer Financial Protection Bureau. They handle complaints regarding debt collectors.
  • Contact your state’s attorney general. State laws may provide additional protections against abusive collection practices.

Pro Tip

Maintain detailed records of communications with USCB America, including dates, times, and the content of conversations. This will be invaluable if you need to escalate your case or seek legal advice.

Creating a Cease and Desist Letter

If you wish to cease communications with USCB America, creating a formal cease and desist letter can be an effective step. Use clear and concise language. For instance, you might include a direct statement like: “Please cease and desist all calls and contact with me, immediately.”

Key Consideration

Ensure that your cease and desist letter is sent via certified mail to have proof of your request. This documentation will be essential if further legal action is necessary.

Frequently asked questions

Is USCB America a legitimate company?

Yes, USCB America is a legitimate debt collection agency that must adhere to federal and state laws regarding debt collection.

Does USCB America affect your credit score?

Yes, an entry from USCB America on your credit report can negatively affect your credit score for up to seven years unless addressed.

Can USCB America sue me or garnish my wages?

USCB America has the legal right to sue for unpaid debts, which could potentially lead to wage garnishment if a court ruling is obtained.

Key takeaways

  • Quickly addressing any inaccuracies related to USCB America on your credit report is crucial to maintaining your financial health.
  • Understand and utilize your rights under the FCRA to challenge and remove incorrect debt collections.
  • Document all interactions and use certified mail to ensure records of all communications and disputes.
  • If necessary, consider legal action to resolve disputes or inaccuracies.
If you need assistance with credit repair, consider consulting a credit repair company through SuperMoney’s comparison tool to find the best credit repair service for your needs.

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