Seeing Carson Smithfield on your credit report can be frustrating, especially if you’re not sure what the debt is or how it got there. Here’s everything you need to know about who they are, how they operate, and what steps you can take to remove them from your credit report.
Who Is Carson Smithfield?
Carson Smithfield, LLC is a third-party debt collection agency with offices in Pittsburgh, Pennsylvania, and Woodbury, New York. They collect delinquent debts on behalf of other companies—primarily credit card issuers and financial institutions.
If they’re showing up on your credit report, it usually means your original creditor transferred or sold the account after a missed or defaulted payment.
Who Do They Collect For?
Carson Smithfield is a subsidiary of CardWorks, a company that services credit cards and consumer loans. One of their most notable clients is Merrick Bank, a lender that frequently works with consumers who have poor or limited credit history.
If you’ve had an account with Merrick Bank or another CardWorks partner, that may be how Carson Smithfield ended up involved.
Is Carson Smithfield Legitimate?
Yes, Carson Smithfield is a legitimate debt collector. That said, not every debt they attempt to collect is necessarily valid. Always verify the debt before agreeing to anything. Mistakes happen, and it’s not uncommon for collection accounts to appear in error or after a debt has been resolved.
How to Remove Carson Smithfield From Your Credit Report
Collections accounts can lower your credit score and stay on your report for up to seven years. But you do have options.
- Dispute errors: Start by checking your credit reports for inaccuracies. If anything is incorrect, file a dispute with the credit bureaus.
- Request validation: You have the right to ask Carson Smithfield to prove the debt is yours and that the amount is accurate.
- Negotiate a pay-for-delete: In some cases, you can offer to pay the debt in exchange for removal from your credit report. Get the agreement in writing.
- Hire a professional: A reputable credit repair company can help you challenge the account and increase your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should I Contact or Pay Carson Smithfield?
Before reaching out, check whether the debt is valid, how old it is, and whether it’s already past the statute of limitations in your state. Paying a debt that’s too old can reset the clock and negatively impact your credit again.
If the debt is valid and still collectible, consider negotiating a settlement or working with a credit repair pro who can guide you through the process.
Will They Sue or Garnish Wages?
Carson Smithfield does have the legal right to sue for unpaid debt. If they win a judgment, they could pursue wage garnishment or bank levies—depending on the laws in your state.
However, lawsuits are typically a last resort. Most collection agencies will try to settle before going to court.
Carson Smithfield Complaints
Like many collectors, Carson Smithfield has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information
- Failing to verify debts
- Harassing communication
If you experience these issues, you can file complaints with the CFPB, BBB, or your state attorney general.
Your Rights Under Federal Law
Thanks to the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), you’re protected from unfair or abusive collection tactics. Here’s what Carson Smithfield is not allowed to do:
- Report inaccurate or incomplete information
- Refuse to validate a debt when asked
- Use threats, obscene language, or excessive calls
- Pretend to be someone they’re not
- Claim they can have you arrested for unpaid debt
You have the right to request validation and dispute anything you believe is incorrect or unfair.
Carson Smithfield Contact Information
Mailing address:
Carson Smithfield, LLC
P.O. Box 9216
Old Bethpage, NY 11804-9216
Office address:
225 W Station Square Dr.
Pittsburgh, PA 15219
Phone number:
(877) 394-5975
Remove Carson Smithfield From Your Credit Report Today
If you’re dealing with Carson Smithfield and want help removing the account from your credit report, Credit Saint can assist. They’ve helped thousands of clients challenge negative items like this and improve their credit standing.
They even back their work with a 90-day money-back guarantee if results don’t meet the program terms.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
