Are you getting calls from a company named Bay Area Credit Service? It’s probably because of an overdue bill hanging over your head.
They are a debt collection company that works with companies that are having difficulty recovering payments from customers.
They have either been hired by your original creditor or have purchased the debt at a discount. Either way, they won’t leave you alone until you pay up.
The worst part about dealing with them is their effect on your credit score.
They will open a collection account on your credit report prior to contacting you for payment.
This entry will lower your credit score by as much as 100 points over the course of seven years.
The top approach to get rid of Bay Area Credit Service’s advances is to delete their account from your credit report.
Not only will this spare your voicemail inbox, but it will improve your credit score in the long run.
What is Bay Area Credit Service?
Bay Area Credit Service is an average-sized debt collector in Norcross, GA.
It was founded in 2007 and has grown into a business with over 800 employees.
They handle an assortment of consumer, commercial, and legal debt.
If you have debt in these areas, you may begin to hear from them.
It shouldn’t come as a surprise that they aren’t popular among their customers.
They currently have 37 complaints with the Consumer Financial Protection Bureau (CFPB) and 96 complaints with the Better Business Bureau (BBB).
Customers allege that the company is guilty of a number of FDCPA violations.
Later on, we will discuss what the FDCPA is and how it protects you.
If you believe that Bay Area Credit Service has violated your consumer rights, you can file a complaint against them as well.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
Steps to Remove Bay Area Credit Service From Your Credit Report
Here are steps to take to get the collection off your credit report and out of your life.
Ask Bay Area Credit Service for a Goodwill Deletion
Times are tough, and there are a lot of people falling behind on their bills.
If your debt is due to extenuating financial circumstances, you make be able to ask Bay Area Credit Service for a goodwill deletion.
Goodwill deletions are meant to act as a way for people who are down on their luck to restore their credit.
They may be inclined to grant you a deletion if you had a true reason for being late on your debt and if you have already paid off your balance.
To request a goodwill deletion, write a letter to Bay Area Credit Service explaining the circumstances behind your debt.
Were you laid off from your job due to economic fallout from COVID-19? Were you in the hospital for several weeks or months? These are things you should mention in your letter.
No matter what your reasons are, make sure that you are able to back them up.
They will likely ask for corroborating documentation. So be prepared to provide that upfront.
Lastly, remember to be kind in your letter. Bay Area Credit Service is under no circumstances obligated to do you a favor.
Get on their good side by keeping your tone polite and friendly.
Enforce Your Right to Debt Validation
If this is not your first debt to move to collections, you probably won’t be able to secure a goodwill deletion.
It is now time for you to enforce your right to validate the debt.
Debt validation is an important and often overlooked step in the debt collection process.
It allows you to ascertain if Bay Area Credit Service has any inaccurate information about your debt before you pay it.
The reason that many people don’t take advantage of debt validation is the tight deadline.
You must send an official request through U.S. mail within the first 30 days of hearing from Bay Area Credit Service. If you procrastinate, your request will be ignored.
So, how do you request debt validation?
Send a debt validation letter to Bay Area Credit Service and request a return receipt from the carrier.
You should be notified when they receive your letter.
If they don’t respond to your debt validation request within 30 days, you can contact the CFPB and file a complaint.
They should return with documents that prove that the debt is yours.
Go through each page carefully and compare them with the most recent account information you have.
If there is anything that doesn’t match up, contact the credit bureaus and file a dispute.
They will look into the discrepancies and remove Bay Area Credit Service’s account if they find erroneous information in their entry.
Don’t Pay Until They Agree to Delete the Account
If you missed the deadline to request debt validation, you still have another trick up your sleeve.
You can always work with Bay Area Credit Service to reach a pay-for-delete agreement.
Debt collectors try to avoid making settlement deals with customers.
Most of the time, customers will pay them outright to get them off their back. So Bay Area Credit Service doesn’t like to make concessions.
That being said, debt collectors aren’t opposed to making settlement deals with customers.
If they are desperate enough for you to make your payments, they may agree to delete their collection account.
Start by telling them that you’ll pay half of your balance if they agree to remove their entry from your credit report.
They will likely reject this offer, so go back and forth with them until you reach a compromise.
Once an agreement is reached, ask Bay Area Credit Service to send you the full terms and conditions on a company letterhead.
This will give you evidence of the deal in case this situation ever makes its way to civil court.
After you get this document, make your first payment on the debt. Bay Area Credit Service should remove their account from your credit report within 30 days.
If they don’t, remind them of the written agreement to move them along.
Get Professional Help Dealing with Bay Area Credit Services
If Bay Area Credit Service isn’t responding to your efforts to settle, you can always turn to a credit repair professional.
Also known as credit repair companies, credit professionals work with debt collectors and other creditors to remove damaging accounts from customers’ credit reports.
They know exactly what makes these collectors tick, so they can say all the right things to get collection entries removed.
If you are looking for a reputable credit repair company, you should consider working with Lexington Law.
With over 28 years of experience, they have their customers’ backs and will work with your best interest in mind.
Dealing with a debt collector isn’t easy, but it is worth it.
By removing Bay Area Credit Service from your credit report, you can begin rebuilding your credit and achieving your financial goals.
Improving your credit is an achievable goal for everyone. To learn more about how you can boost your credit score, check out some of our other popular articles.
Make this the year that you reach your financial dreams.