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Home Debt Debt Collection Collection Agencies Bonneville Collections

How to Remove Bonneville Collections from Your Credit Report

Bonneville Collections collection company getting removed from credit report

At a glance

  • Bonneville Billing and Collections, Inc. is a debt collection agency that works for businesses in a variety of industries.
  • Here, we’ll talk about what Bonneville Collections does (and what they’re not allowed to do), what your rights are, and how to get them off your credit report.
  • Bonneville Collections is likely hurting your credit score.

Get expert help. Call now to remove Bonneville Collections from your credit report.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Victoria Scanlon

Updated Sep 23, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

So, you’ve been told you owe a debt to Bonneville Collections, a debt collector. It’s damaging your credit score, and the incessant requests for you to pay won’t end unless you take action—either pay up or fight.

Here’s what you need to do to deal with Bonneville Collections like a professional.

Table of Contents

  1. What is Bonneville Collections?
  2. Is Bonneville Collections a scam?
  3. How to stop Bonneville Collections from calling you
  4. How to remove Bonneville Collections from your credit report
  5. How to deal with Bonneville Collections harassment
  6. Should you pay Bonneville Collections?

What is Bonneville Collections?

Bonneville Billing and Collections, Inc. is a debt collection agency that’s headquartered in Ogden, UT. They have additional locations in Boise, ID, Idaho Falls, ID, and Vancouver, WA.

They collect debts on behalf of businesses in a variety of industries. 1

Who does Bonneville Collections collect for?

Bonneville Billing and Collections, Inc. is a third-party debt collection agency that recovers unpaid debt for various businesses. According to reports (and complaints) filed with the Better Business Bureau, their clients include property management companies, medical companies, and utility service providers. 1

Bonneville’s other names on your credit report

The following names may also refer to Bonneville Collections: 2

  • Bonneville Billings and Collections
  • Bonneville Management Services
  • Bonneville Check Services
  • Bonneville Medical Billing
  • Bonneville Check Recov

Is Bonneville Collections a scam?

No, Bonneville Collections isn’t a scam. They’re a legitimate debt collection agency and member of ACA International. 3

However, even though Bonneville Collections is a legit company, they may still behave unethically when trying to collect a debt from you. Like many debt collection agencies, the company has faced litigation for violating consumer rights. 4

What’s more, scammers may impersonate Bonneville representatives to try to collect money from you. It’s important to always verify the validity of any debts you’re contacted about before you make a payment. To do so, contact Bonneville Collections directly using the contact information below.

Bonneville Collections Contact Information

If you want to remove Bonneville Collections from your credit report, write to their address:

Bonneville Collections Logo

Address: 6026 S. Fashion Point Dr.
South Ogden, Utah 84403
Phone Number: (801) 621-7880
Website: bonncoll.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

VIDEO: Bonneville Collections in 2 Minutes—Fix Your Credit Report & Know Your Rights

How to stop Bonneville Collections from calling you

Bonneville Collections will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.

Unfortunately, Bonneville Collections representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).

Don’t ignore debt collectors like Bonneville Collections—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.

To begin, you can get Bonneville Collections to stop calling you—at least temporarily—by sending them something called a debt verification letter.

Send a debt verification letter

A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Bonneville Collections should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.

Debt Verification Letter Template

Debt Verification Letter

Use this debt verification letter template if Bonneville Collections has contacted you about a debt and you want to dispute it. If you send this within 30 days, they're legally obligated to respond with evidence of the debt and can't contact you until they do.

Build My Letter Now PDF Word

Benefits of sending a debt verification letter

Sending a debt verification letter has three benefits:

  1. You’ll prevent Bonneville Collections from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Bonneville Collections are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 5
  2. You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Bonneville Collections to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay.  It’s an easy way of figuring out if the debt collector is a scam agency.
  3. You may successfully disown the debt: If Bonneville Collections can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.

Beware the statute of limitations

The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Bonneville Collections to sue you over, at which point it’s known as time-barred debt.

If this is the case, you can send Bonneville Collections a letter telling them to stop contacting you. Legally, they’ll have to abide by that.

The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.

How to remove Bonneville Collections from your credit report

If your credit score is suffering as a result of Bonneville Collections debt, there are three ways to recover:

1. Dispute the debt with all three credit bureaus

If you think that the debt associated with Bonneville Collections on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.

To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Bonneville Collections on your credit report.

Credit dispute letter to credit bureau

Credit Dispute Letter

If Bonneville Collections is on your credit report by mistake, the credit bureaus have to remove it from your report. Use this credit dispute letter template to file a dispute about Bonneville Collections directly with any of the credit bureaus.

Build My Letter Now PDF Word

To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.

2. Negotiate with Bonneville Collections

Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Bonneville Collections from your credit report will be very difficult (although not impossible).

Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.

However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Bonneville Collections from your credit report:

  • Pay for delete: You might be able to convince Bonneville Collections to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
  • Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Bonneville Collections a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.

If you can’t afford to pay off your debt, try negotiating a debt settlement

If your debt is fairly old, then there’s a chance that Bonneville Collections will accept less than the full amount you owe (a practice known as debt settlement) to minimize their losses. You can negotiate a debt settlement with Bonneville Collections over the phone or by sending a debt settlement letter.

3. Wait 7 years for Bonneville Collections to fall off of your credit report

Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Bonneville Collections, it will remain on your credit report.

Learn more about Bonneville Collections’s impact on your credit score:

  • How many points will my credit score increase after I pay off collections?
  • How to rebuild your credit after having a debt sent to collections

How to deal with Bonneville Collections harassment

Unless you tell them not to, Bonneville Collections will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.

Restrictions on Bonneville Collections

When attempting to collect payments from you, Bonneville Collections must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.

Bonneville Collections representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Bonneville Collections if they do something illegal.

Keep records of letters and phone calls

If you think that Bonneville Collections may be violating your rights, then it’s a good idea to record your phone calls, save any letters they send you, and keep records of when they’ve contacted you. This will make things much easier if you need to take legal action against them in the future.

Can I sue Bonneville Collections for harassment?

Yes, you can sue Bonneville Collections for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Bonneville Collections will also have to pay your attorney fees and court costs.

How to file a complaint against Bonneville Collections

If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Bonneville Collections.

Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Bonneville Collections, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Bonneville Collections to court.

Should you pay Bonneville Collections?

You should only pay a collection agency like Bonneville Collections if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.

Takeaway: Bonneville Collections is a legitimate debt collection agency

  • Bonneville Collections is a debt collection agency, which means they collect severely delinquent debts that lenders have charged off and transferred or sold.
  • Bonneville Collections probably isn’t a scam, but you should make sure to avoid scammers by verifying your debts and only making payments once you're sure they're legitimate.
  • You have rights under the Fair Debt Collection Practices Act that prohibit debt collectors from harassing you. You can sue for harassment, and you won’t need to pay the legal fees if you win.
  • There are several ways of removing Bonneville Collections debt from your credit report, but if these approaches fail, then you should consider seeking advice from a credit repair professional.

Other Collection Agencies

  • BOM/TCI-TV
  • Benjamin Michael & Associates
  • Berlin-Wheeler
  • Bonded Adjustment Company
  • Bonded Business Services
  • Bridgeport Financial
  • Brown and Joseph
  • Budget Control Services
  • Bull City Financial
  • Bureau of Account Management

Article Sources

  1. Better Business Bureau. "Bonneville Billing And Collections, Inc." Retrieved February 25, 2022.
  2. Utah State Government. "Bonneville Billing and Collections, Inc." Retrieved February 25, 2022.
  3. Bonneville Collections. "About" Retrieved February 25, 2022.
  4. U.S. Government Publishing Office. "Zachary Lehmkuhl, individually, and on behalf of others similarly situated v. Bonneville Billing and Collections, Inc., a Utah corporation" Retrieved February 25, 2022.
  5. Federal Trade Commission . "Fair Debt Collection Practices Act" Retrieved December 1, 2021.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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