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How to Remove USCB America From Your Credit

If you’re getting phone calls from USCB America, you likely have an unpaid debt that is hanging over your head.

Unfortunately, this means that they have opened a collections account on your credit report and is attempting to collect payment.

Not only are they unpleasant to deal with, but when they notify the credit reporting agencies, (Experian, Equifax, and Transunion) they can hurt your credit score for years to come.

Having collection accounts on your credit score is incredibly damaging to your credit health.

When future lenders see any collection accounts on your credit report they will likely deny you loans based on your history.

It is important to remove any negative entries so that you are able to make large purchases down the line.

For more information on USCB America and how to deal with them, check out our full article below.

What Is USCB America?

Headquartered in Los Angeles, USCB America is a medium-sized debt collection agency also known as an accounts resource management company, that has been in business since 1968.

According to its website, they claim to be the largest privately held Receivable and Resource Management solutions company in California.

They specialize in debt collection on behalf of hospitals and other healthcare providers.

Is USCB America Legit?

USCB America is a legitimate company–it is not a scam.

Even for a legitimate debt collector, USCB America is particularly unpopular with its customers.

They have almost 180 complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and roughly 30 complaints against them within the past three years with the Better Business Bureau (BBB).

The complaints have to do with USCB America’s failure to respond to debt validation requests, harassment, and inaccurate debt reporting.

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 Credit Saint for Help

Steps to Remove USCB America From Your Credit

The process of removing a collections entry from your credit report may seem daunting, but it is entirely doable.

Here are the essential steps to take to get rid of your USCB America once and for all.

Get Everything in Writing

The first step when dealing with debt collectors is to request that they only communicate with you in writing.

Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), you are allowed to do this, and USCB America must comply with your request.

In specific regards to USCB America, if they violate HIPAA laws when trying to collect medical bills or medical debts, there is a high likelihood you will be off the hook for payment.

It is not uncommon for debt collectors to make false promises over the phone.

After all, it is your word against theirs, and they aren’t bound to anything without proof.

The best way to hold USCB America accountable is to require them to communicate with you through U.S. certified mail.

This will hold them to their word and prevent them from harassing you too heavily.

When USCB America calls you, tell them that you will not speak to them over the phone and want to receive all future communications through U.S. Mail.

If they try to argue with you, tell them that they are in violation of the FDCPA and hang up.

This will likely take them by surprise because most people are not aware of their rights under the FDCPA.

Do not communicate with USCB America until they comply with your request.

Request Debt Validation

After you get USCB America to begin communicating in writing, your next step is to get them to validate your debt.

It is not uncommon for information to get lost in the transition from the original creditor to USCB America.

In fact, it’s possible that the debt isn’t even yours.

That is why it is crucial that you send a request for debt validation as soon as possible.

A debt validation letter is a formal request for USCB America to verify the information associated with your debt.

This includes your name, the balance, and the date of debt acquisition.

If any of the information is inaccurate, you can file a dispute with all three major credit bureaus and request that the entry be removed.

It is important that you send this in the first 30 days of hearing from USCB America.

If you wait beyond that, they may ignore your request entirely.

Make a Pay-For-Delete Agreement

If the debt turns out to be yours, you should try to make a pay-for-delete agreement with USCB America.

This is a long shot, but it is worth trying if nothing else works. It can hold off wage garnishment or other legal measures.

We often get the question, “Will USCB America sue me to collect payment?” The answer is, unfortunately, “Yes, it is very possible.”

A pay-for-delete agreement is when you offer to pay a portion of your debt in exchange for them to stop reporting your debt to credit bureaus.

This is a situation that benefits both parties in some regard; you get the negative entry taken off your report, and they get a portion of the balance paid.

Start by offering to pay USCB America half of the balance and negotiate from there. Once you come up with a suitable agreement, ask them to send you the agreement in writing.

If the terms of the agreement are consistent with what you came up with, make the first payment.

After 30 days, check your credit score to ensure that they have removed their entry. If it is still there, remind USCB America of their agreement.

Get a Free Copy of Your Credit Report>>

Work with a Professional

If you are busy and would rather not deal with USCB America directly, you should work with a credit repair company to remove the entry for you.

Credit repair companies help people remove inaccurate, incomplete, or fraudulent entries from their credit reports.

This can help you improve your credit score and get your financial goals back on track.

We recommend working with Credit Saint Firm to improve your credit report.

With over 28 years of experience, they are experts in dealing with debt collection agencies and can challenge any entries dragging down your credit score.

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USCB America Contact Information

How to get in touch with USCB America:

  • Address: 355 S. Grand Ave. 32nd Floor Los Angeles, CA 90071 and P.O. Box 74929 Los Angeles, CA 90004
  • Phone Number: 213-387-6181

USCB America is also known as USCB, Inc., USCB America Collections, or

Dealing With USCB America

No one wants to work with debt collectors but taking care of them early in the process can prevent major damage to your credit later on.

By taking the time to remove USCB America’s entry from your credit report, you are setting yourself up for financial recovery and success.

For more advice on dealing with debt collectors and ways to improve your credit score, especially with the onset of COVID, be sure to check out some of our popular articles.

It’s time to make your financial dreams a reality.


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