Content on is based on in-depth research & analysis. Opinions are our own. We may earn a commission when you click or make a purchase from links on our site. Learn more.


How To Remove BGE Collections From Your Credit Report

Is BGE Collections lowering your credit score? BGE Collections is a debt collection agency.

If you fell behind on power payments from Baltimore Gas and Electric Company, their collections department could contact you.

Along with contacting you, the company will add a collections account to your credit report, which could lower your score for years.

To stop BGE’s phone calls and letters, you might be inclined to answer the phone and pay them the amount due, but doing so won’t help your credit.

Read on for our guide to getting BGE Collections out of your life and off your credit report.

About BGE Collections

Baltimore Gas and Electric Company is one of the biggest utility providers in Maryland. In other words, BEG is legitimate, as is its collections arm.

When you cancel service with an outstanding balance or fall behind on your power payments, your provider will make several attempts to collect payments from you.

If they are unsuccessful, your debt will go into collections, which can have a significant impact on your credit report.

Some companies sell their debts to third-party debt collectors, while others, like BGE, have their own collections department.

Collections entries are added to your credit report, and they stay there for 7 years, even if you pay off the debt.

That’s why it’s crucial to follow the steps below and ensure the entry is deleted from your report.

Know Your Rights Dealing with BGE Collections

Collections agencies are often the subject of consumer complaints, which center around their communications, failure to validate debts, and faulty reporting.

To get an idea of customers’ experiences with BGE Collections, take a look at the Better Business Bureau and the Consumer Financial Protection Bureau.

You should also educate yourself on the basics of the Fair Debt Collection Practices Act before reaching out to BGE Collections.

It restricts debt collectors from contacting you late at night and early in the morning, bans them from threatening or harassing you, and requires them to validate debts.

When you do contact BGE, you should inform them that you’re aware of your rights provided by the FDCPA.

One of those rights is the ability to choose how debt collectors contact you.

We recommend limiting your interactions with them to letters only. Not only does that stop BGE’s repetitive phone calls, but it also helps you to document your case.

How To Contact BGE Collections

You can contact BGE Collections by mail here:

BGE Collections
110 W Fayette St
Baltimore, MD 21201

If you need to call BGE Collections, you can contact a customer service representative at:


If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

3 Ways to Remove BGE Collections from Your Credit Report

If you don’t intervene, BGE Collections will continue to hurt your credit.

One of the strategies below can help you get the collection entry off your credit report.

Send a Debt Validation Letter

Accidents happen. Sometimes reporting errors are responsible for inaccurate collection entries. In other cases, you could be targeted by an identity thief.

In both cases, you should ask for validation whenever you think there’s a mistake on your report.

All you need to do is send BGE a debt validation letter, which you can craft quickly with this free template.

But debt validation isn’t just for inaccurate entries. Even if you do owe BGE, you may be able to get them off your report using this method.

If the company doesn’t have the documentation needed to validate your debt, they’ll have to drop it from your report.

The FDCPA gives you 30 days to dispute a collections entry, so you should act quickly here.

Propose a Pay-for-delete Agreement

If you can’t get BGE off your report for free with the strategy above, your next best bet is to propose a pay-for-delete agreement, which is just what it sounds like.

Unless you get BGE to consent to have the collections entry taken off your report, it will stay there the full 7 years, even if you pay off your debt.

With this approach, you offer to pay BGE to have the entry deleted from your report.

The best part? You can often get debt collectors to agree to accept a negotiated payment to settle your debt.

Owe BGE $250? Offer to pay $125 in exchange for a deletion and work from there.

As always, we recommend you negotiate with the company in writing. It’s the best way to ensure that your agreement is upheld.

Once you and BGE agree on an amount and you submit your payment, it should be reflected quickly on your report.

If you’re still waiting for your report to update after 30 days, reach back out to the company to remind them of your arrangement and payment.

Hire a Credit Repair Company

While getting a collections agency off your report yourself is doable, it can be stressful.

If you’d like to play less of a hands-on role in the process, consider hiring a credit repair company.

They’ll make sure that debt collectors adhere to the FDCPA and help get the entry off your report, ASAP.

They can be a huge asset if you’re facing other challenging credit problems, like:

  • Bankruptcy
  • Liens
  • Judgments
  • Foreclosure
  • Repossession
  • Charge offs
  • Hard inquiries
  • Identity theft

There are a handful of excellent credit repair companies to choose from. Take a look at the list and pick the one that fits your needs best.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Find Locally Licensed Credit Experts
Fixing your credit is hard work, but a Credit Expert can make it easier! Select your state to get started
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
Contact a Credit Saint Expert


Meet the Experts’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team