What does US COLLECTIONS WEST IN mean on my credit report?
Learn about US COLLECTIONS WEST IN, an collections agency offering loans for financial assistance. Check the impact to your credit report and financial status.
What is US COLLECTIONS WEST IN?
US COLLECTIONS WEST IN is shorthand for US Collections West, with the company name being US Collections West Inc
US COLLECTIONS WEST IN is a Collections Agency provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with US Collections West.
- ⚫ US Collections West bought your debt and are now trying to collect on it.
- ⚫ You opened a credit card / loan / mortgage with this company.
- ⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for US Collections West:
Address:
- 2320 W Peoria Ave suite c-116, Phoenix, AZ 85029, United States
Website:
Email:
Phone:
Payments
US Collections West is a company that provides professional collections services for those who owe a debt. Customers can make a payment by contacting US Collections West by phone, email, or through their website. US Collections West also offers a monthly payment plan. If a customer’s balance is not paid or disputed, a 30-day demand letter is sent and accounts are assigned to a professional collector. US Collections West offers services to help customers obtain payment refunds and provides 24 hr online access to every account assigned for collection. Payments can be made online or through a mobile app. There are penalties for late or missed payments, which include reporting the debt to credit agencies and further collection activities. US Collections West accepts prepaid debit cards and wire transfers as forms of payment.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | No |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
US Collections West does not offer loan consolidation or loan forgiveness.
| Question | Answer |
|---|---|
| Do they offer loan consolidation? | No |
How to Apply
US Collections West offers loan services and can be contacted via toll free number (888) 254-6967 or local number (602) 995-3494. Applying for a loan over a phone call is not possible with US Collections West, but it is possible to apply for a loan in person, by scheduling a sales rep to pick up files, submitting files via email, faxing documents to a specified number, or mailing documents to a PO Box. US Collections West also offers loan services with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | Yes |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
SmartCredit Report Example
- This is an example of what this creditor will look like on your SmartCredit report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
What is a Collections Agency?
Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.
How do I remove US COLLECTIONS WEST IN from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.