If you’re concerned about an entry on your credit report from BRG Collections, we can help.
BRG specializes in collecting on unpaid consumer debts. If they’re on your report, you probably missed a bill at some point.
If not, you could be the subject of faulty reporting or identity fraud.
Either way, it’s important to act quickly to get the entry deleted from your report.
Read on for an overview of BRG, debt collections, and the process of getting a collections account off your report.
About BRG Collections LLC
BRG Collections LLC, also known as Bison Recovery Group, is a legitimate debt collection agency.
BRG Collections agency offers several levels of service, including pre-charge off and post-charge off collections for the following types of debt:
- Credit card
You can reach Bison Recovery Group here:
Bison Recovery Group, Inc.
4408 Mile Strip Road, Suite 211
Blasdell, NY 14219
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How Does BRG Collection Agency Work?
When you get behind on payments, the person lending you money or providing services may turn your debt over to a debt collector.
This step has a few consequences:
- Lower credit score
- Collections entry added to your report for 7 years
- Calls and letters from collections agencies
Some businesses have their own collections department that handles delinquent accounts. Others employ debt collectors like BRG.
This type of third-party agency might:
- Buy your debts at pennies on the dollar, or
- Be paid by the lender to help collect debts
In both cases, they may call and send repeated letters in an effort to collect payment for your debts.
While you might be inclined to answer their call and make a payment, pump the brakes.
Because simply paying your collection-stage debts won’t get them off your credit report. We’ll show you how to do that below.
How to Deal with BRG Collections
You can find complaints against most debt collectors on the Consumer Financial Protection Bureau and Better Business Bureau websites.
Many of Bison Recovery Group’s complaints are about their:
- Aggressive collection attempts
- Dispute process
- Reporting errors
In light of these issues, it’s vital that you learn your rights under the Fair Debt Collection Practices Act.
The FDCPA was crafted to ensure accurate reporting and keep debt collectors in line.
It sets clear standards for how debt collectors can interact with you.
- Calls are only allowed between 8 a.m. to 9 p.m.
- Debt collectors cannot contact other people about your debt
- Collections agencies cannot call at work if you ask them not to
- Illegal actions, threats, and abusive language are strictly prohibited
So if you feel that BRG has violated any of your rights, you may want to file a complaint with the CFPB or take legal action.
The FDCPA also allows you to decide how you want to communicate with debt collectors.
If you’d like to stop their calls and only receive letters, the agency should oblige.
We always recommend dealing with debt collectors in writing as it gives you documentation of every step of your case.
3 Ways to Remove BRG Collections LLC from Your Credit Report
Ready to reach out to BRG and get the collections entry deleted from your credit report?
1. Ask for Debt Validation
Thanks to the FDCPA, debt collectors have to provide evidence of your debt if you request it within 30 days of being contacted by them.
You just need to mail in a debt validation letter.
If they can’t provide documents that prove your ownership of the debt, the entry will be deleted from your report and their calls and letters will stop.
Asking for proof is a no-brainer if you don’t think BRG should be on your report, but it’s a smart move even if you do owe them.
Because third-party debt collectors don’t always have the documentation they need to see their collections attempts through.
At best, you’ll get your collections account cleared without paying anything but postage.
Just remember to act quickly when you find collections accounts on your report. Signing up for credit monitoring can help you catch these additions to your report as soon as they come up.
2. Arrange a Pay-for-Delete Agreement
Whether you missed out on your 30-day window or your debt was validated, you should opt for a pay-for-delete agreement.
Because rather than just paying off your debts, you need to negotiate with the agency, getting them to agree to have your collections entry deleted from your report if you make a payment.
Otherwise, there’s no guarantee it will be deleted. Once again, you should write to the agency rather than calling them.
This is a surefire strategy, and it provides you with a written commitment to have your collections entry removed.
Even more good news? You may be able to pay less than what you owe to satisfy your account.
Try offering to pay about 50% of what you owe the agency, and go from there.
Fortunately, you might be able to close out your account, stop the agency’s pesky calls and letters, and improve your credit all at once.
But keep checking your credit to ensure that the collections entry gets deleted. If it isn’t gone within a month of you making your payment, reach out to BRG again.
3. Hire a Credit Repair Company
Dealing with collections agencies can be a tedious task.
If you don’t want to face Bison Recovery Group on your own, a credit repair company could be the perfect solution for you.
Credit repair companies have the expertise and experience needed to dispute your debts and get them removed from your account quickly and easily.
If you’re struggling with more than one credit problem, they’ve got you covered, helping consumers in the aftermath of:
- Identity fraud
Whether you take a DIY approach to settling your collections accounts or hire a credit repair company, don’t put off improving your score.
The longer you ignore the problem, the more damage it can do to your score and creditability.