If you are concerned about an entry on your BRG Collections credit report, we can help.
BRG specializes in the collection of unpaid consumer debts. If they are on your report, you likely missed a bill at some point.
If not, you could be the subject of incorrect reporting or identity fraud.
Either way, it is important to act quickly to remove the entry from your report.
Read on for an overview of BRG, collections, and the process used to remove a collections account from 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 a variety of levels of service including pre and post top up collections for the following types of debts:
- Credit card
- retail trade
You can contact the Bison Recovery Group here:
Bison Recovery Group, Inc.
4408 Mile Strip Road, Suite 211
Blasdell, NY 14219
If you are overwhelmed with handling negative entries on your credit report,
We encourage you to seek help from a professional credit repair company.
Ask Lex Law for help
How does the BRG debt collection agency work?
If you default on payments, the person who lends you money or provides services can turn your debt over to a collection agency.
This step has several consequences:
- Lower credit score
- Collection entry added to your report for 7 years
- Calls and letters from debt collection agencies
Some companies have their own debt collection agency that handles criminal accounts. Others employ debt collection agencies like BRG.
This type of third party agency can:
- Buy your debt in pennies or on the dollar
- Get paid by the lender to help collect debt
Either way, they can call and send repeated letters to collect payment for your debt.
While you may be inclined to answer her call and make a payment, hit the brakes.
Because if you simply pay your debt at the collection stage, it won’t be removed from your credit report. We’ll show you how to do that below.
Dealing with BRG collections
Complaints against most debt collection agencies can be found on the websites of the Consumer Financial Protection Bureau and the Better Business Bureau.
Many of the Bison Recovery Group’s complaints are related to:
- Aggressive collection attempts
- Dispute resolution
- Report an error
With these issues in mind, it is important that you understand your rights under the Fair Collections Practices Act.
The FDCPA is designed to ensure accurate reporting and to keep debt collection agencies informed.
It sets clear standards for how collection agencies can interact with you.
- Calls are only allowed between 8 a.m. and 9 p.m.
- Collection agencies cannot contact other people about your debts
- Collection agencies can’t call at work if you ask them to
- Illegal acts, threats and abusive language are strictly prohibited
So if you believe that BRG has violated any of your rights, you can file a complaint with the CFPB or take legal action.
With the FDCPA, you can also decide how you want to communicate with debt collection agencies.
If you want to end their calls and just receive letters, the agency should do so.
We always recommend dealing with debt collection agencies in writing as this will allow you to document every step of your case.
3 Ways To Remove BRG Collections LLC From Your Credit Report
Ready to contact BRG and delete the collection entry from your credit report?
1. Ask about checking the debt
Thanks to the FDCPA, collection agencies must provide evidence of your debt if you request it within 30 days of contacting you.
All you need to do is submit a debt review letter.
If they cannot provide documents proving your ownership of the debt, the entry will be removed from your report and their calls and letters will stop.
Asking for evidence is a breeze if you don’t think BRG should be on your report, but it’s a smart move even if you owe them something.
Because third party collection agencies do not always have the necessary documentation to carry out their collection attempts.
At best, your collection account will be deleted without you having to pay anything other than postage.
Remember to act quickly if you find collection accounts on your report. If you sign up for credit monitoring, you can check these supplements on your report as they appear.
2. Make a pay-for-delete agreement
Whether you’ve missed your 30 day window or your debt has been confirmed, go for a pay-for-delete arrangement.
Because instead of just settling your debt, you need to negotiate with the agency and get them to agree to have your collection entry removed from your report when you make a payment.
Otherwise there is no guarantee that it will be deleted. Again, you should write to the agency instead of calling them.
This is a surefire strategy that will give you a written commitment to have your collection listing removed.
Any more good news? You may be able to pay less than you owe to satisfy your account.
Try paying about 50% of your debt to the agency and go from there.
Fortunately, you can potentially close your account, stop the agency’s annoying calls and letters, and boost your balance in one go.
However, keep checking your balance to make sure the collection entry is deleted. If payment has not been made within one month of your payment, please contact BRG again.
3. Hire a credit repair company
Dealing with debt collection agencies can be a tedious task.
If you don’t want to face the Bison Recovery Group on your own, a credit repair company may be the perfect solution for you.
Credit repair companies have the expertise and experience to help you meet your debts and get them removed from your account quickly and easily.
If you’re grappling with more than one credit problem, you are covered and ready to help consumers after:
- Identity fraud
- Real estate liens
Whether you take a DIY approach to billing your collections accounts or hiring a credit repair company, don’t let that stop you from improving your score.
The longer you ignore the problem, the more damage it can do to your score and credibility.