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Courriel : [email protected]

You shouldn’t have to chase your money

Your credit management
specialist since 1975


How can a Credit Bureau Reporting Collection Agency help businesses collect a debt??

May 10, 2017

Any bad debt a Collection Agency reports to the Credit Bureau shows up on the customer’s credit report. By looking at the credit report, one can find a vast range of information – from the interest rate someone pays on a loan, on a mortgage or on credit cards to whether or not the person qualifies for renting an apartment. Some employers check candidates’ credit reports before hiring.

Unik Credit Management is a member of Equifax and TransUnion, the two largest Credit Bureaus in Canada. Such membership means that when our clients list their delinquent accounts with us (large or small), they do so knowing we have the ability to report the account to the debtor’s Credit Bureau. The debtor feels motivated to pay the account to avoid affecting his credit rating; however, should the account not be paid in a timely manner, the debt is reported to the Credit Bureau and remains on the credit report for up to 7 years.

One of the solutions to reimburse the debt would be for the debtor to apply for financing.

Please feel free to contact us if you have any questions.



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    You have been absolutely amazing to deal with and I really wanted to thank you for all your help over the past 2 seasons with Collections. I can honestly say both your company and yourself have greatly impressed me. You have created a stellar relationship with our business and I am looking forward to continuing it for many more years to come!

    Erin, Accounts Receivable Manager
    Ottawa Senators Hockey Club

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    Professionalism is very important to our firm, which is why, along with being very satisfied with their high rate of recovery for our delinquent accounts, we find UCM (Unik Credit Management)’s approach, recommendations, effectiveness and professionalism in handling these matters to be most appropriate and cost effective to our firm.

    Director of Administration
    Raymond Chabot Grant Thornton

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    Unik’s representatives are well-trained and provide excellent follow up with our accounts. We certainly appreciate the easy and simplicity of transferring clients’ debts to Unik. Unik’s staff is respectful of the relationship that we have had with our clients while at the same time they are very successful at recovering past debts.

    Darlene MacInnis , Office Manager
    Nutri-Lawn Ottawa

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    Our best move was switching over to UCM (Unik Credit Management) for our collection services.
    My personal experience with them shows that they really know their way around court/legal representation and it clearly reflects on their recovery rate, which is much better than what we were getting from our previous collection agency.

    Credit Manager
    Surgenor National Leasing / Hertz Rentals

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    We were referred to UCM (Unik Credit Management) and switched over to them after not being too pleased with the rate of recovery we had with a national collection agency. UCM.’s rate of success surpassed our recovery expectations; they even had a high rate of recovery on accounts that had previously been assigned to the national collection agency.

    Director of Student Loans
    Federation des Caisses Populaire

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