Is Select Resource Group on Your Credit Report?
Short answer: Select Resource Group () is a real, legitimate third-party collection agency based in Greenville, SC, operating since 2013. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Select Resource Group?
Based in Greenville, South Carolina, Select Resource Group pursues consumer balances under contract to the original creditor. Disputes raised with the creditor directly can therefore stop agency activity at the source.
You may also see this company on your report or in letters as:
What most people don't know about :
A Greenville, South Carolina operation, Select Resource Group holds Florida consumer collection agency filing CCA9903227 (expired) and has drawn 11 debt-collection complaints in the CFPB's consumer complaint database — the two records together establish both location and collection activity. With so few filings, nothing can be inferred from the complaint record; start from the debt validation notice itself. Florida first approved the filing in 2013; the expiration of record is 2016.
Why Is on My Credit Report?
Select Resource Group typically collects utility accounts, auto deficiency balances, credit card debt. A collection like this usually lands on your report because:
- ✅ An original account (a utility accounts, for example) went unpaid and was charged off.
- ✅ The account was placed with Select Resource Group to collect on behalf of the original creditor.
- ✅ Select Resource Group furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send undefined a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the undefined tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that undefined stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," undefined can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars undefined from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the undefined entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Select Resource Group — Frequently Asked Questions
Is Select Resource Group a scam or a legitimate company?
Select Resource Group is a real, registered third-party collection agency headquartered in Greenville, SC, in business since 2013. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like undefined, so always demand written validation before paying anything.
Why is Select Resource Group on my credit report?
Based in Greenville, South Carolina, Select Resource Group pursues consumer balances under contract to the original creditor. Disputes raised with the creditor directly can therefore stop agency activity at the source. It most commonly collects utility accounts, auto deficiency balances, credit card debt. It likely appeared after an original account went unpaid and was placed with them for collection. A Greenville, South Carolina operation, Select Resource Group holds Florida consumer collection agency filing CCA9903227 (expired) and has drawn 11 debt-collection complaints in the CFPB's consumer complaint database — the two records together establish both location and collection activity. With so few filings, nothing can be inferred from the complaint record; start from the debt validation notice itself. Florida first approved the filing in 2013; the expiration of record is 2016.
Can Select Resource Group be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported undefined collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Select Resource Group cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Select Resource Group or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to undefined.
How long can Select Resource Group report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Select Resource Group acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Select Resource Group sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
Other Collection Agencies on Your Report?
Local to North Carolina? We help residents statewide:
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