Gulf Coast Collection Bureau
Founded in 1978, Gulf Coast Collection Bureau specializes in the collection of unpaid consumer debt in the retail, government, health care and commercial industries. Also known as a debt buyer, Gulf Coast Collection Bureau purchases delinquent accounts from original creditors and then pursues debtors in an attempt to collect more than they paid for the debt. Gulf Coast Collection Bureau uses numerous techniques in their attempt to collect debt such as sending direct mail, making harassing phone calls and reporting derogatory information to the credit bureaus in order to have it place on the consumers' credit report. Gulf Coast Collection Bureau is even know to employ the services of professional skip tracers.
Federal law allows collection agencies the ability to place derogatory marks on the consumer's credit report, which can damage your credit score and may prevent lenders from approving you for new credit. Even if you are approved for the financing you would like, with low credit scores you can rest assured your interest rate will be high. Among other laws, the Consumer Credit Protection Act grants the consumer to dispute, and potentially remove derogatory items to include charge offs and collection agency marks from your credit report.
I had an abundance of tax liens, charge offs and judgments being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies to include Gulf Coast Collection Bureau in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with all of the collection agencies like Gulf Coast Collection Bureau was more time consuming and frustrating than I could have possibly imagined. Even worse, not one of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. Credit repair had quickly proven to be a much more difficult task that I had originally thought.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of three collection accounts placed on my credit report by Gulf Coast Collection Bureau.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Gulf Coast Collection Bureau. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.
