If Carter Business Service, Inc. has appeared on your credit report, it likely means you have a debt that’s gone to collections. These accounts can damage your credit score and stay on your report for years if not handled properly.
Here’s how to deal with Carter Business Service and the steps to remove them from your credit report.
Who Is Carter Business Service, Inc.?
Carter Business Service, Inc. is a debt collection agency based in Danvers, Massachusetts. They work with businesses to recover unpaid debts from consumers.
If you have an overdue account, Carter Business Service may be assigned to collect the money. When that happens, their name can appear on your credit report as a collection account.
Who Does Carter Business Service Collect For?
Carter Business Service collects debts for businesses in several industries, with a strong focus on:
- Healthcare providers such as hospitals, clinics, and private practices
- Commercial businesses that extend services or credit
If you see their name on your credit report, it likely means a medical or commercial debt has been turned over to collections.
Is Carter Business Service Legitimate or a Scam?
Carter Business Service is a legitimate collection agency. They are licensed to collect debts on behalf of their clients.
That said, never assume a debt is valid without proof. You have the right to request verification before paying or agreeing to anything.
How to Remove Carter Business Service From Your Credit Report
A collection account can hurt your credit score for up to seven years, but there are ways to try to remove it sooner:
- Dispute Inaccurate Information: Review your credit report for errors. If the balance, account details, or dates are incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: Send a written debt validation letter to Carter Business Service. They must prove the debt is yours and that the amount is correct.
- Negotiate a Pay-for-Delete: Some agencies may agree to remove the account from your credit report if you pay the debt. This is not guaranteed, but it’s worth asking.
- Work With Credit Repair Experts: If handling collections on your own feels overwhelming, professional credit repair companies can help challenge inaccurate negative items.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Carter Business Service?
Before paying anything, confirm the debt is accurate and legally collectible. Some debts are beyond the statute of limitations for legal action, and making a payment can restart the clock.
If you’re unsure how to move forward, working with a trusted credit repair company can help protect your credit and avoid costly mistakes.
Can Carter Business Service Sue You or Garnish Your Wages?
Carter Business Service has the legal right to sue for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Levy your bank account
These actions depend on state laws and the size of the debt. Lawsuits are usually a last resort, as legal action can be expensive for the collection agency. Often, they are open to working out a payment plan before pursuing court action.
How to Contact Carter Business Service, Inc.
Here’s how to reach them:
- Address:
Carter Business Service, Inc.
150A Andover Street, Suite 12A
Danvers, MA 01923 - Phone Number:
(781) 246-4300
Complaints About Carter Business Service
Like many collection agencies, Carter Business Service has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Failure to verify debts
- Harassment or repeated calls
If your rights are being violated, you can file a complaint with these agencies.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair treatment by debt collectors. These rights include:
- Debt collectors cannot report false or incomplete information to the credit bureaus
- You can request written proof of the debt with a debt validation letter
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collection agency when contacting you
- They cannot threaten arrest or legal action they don’t intend to pursue
Get Help Removing Carter Business Service From Your Credit Report
Dealing with collection accounts can be stressful. Credit Saint has over 15 years of experience helping clients dispute inaccurate information on their credit reports. They even offer a 90-day money-back guarantee for added confidence.
If you want help removing negative items from Carter Business Service or other collection agencies, they’re a trusted option to consider.
Visit their website or call (855) 281-1510 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.
