DCI Credit Services

Is DCI Credit Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is DCI Credit Services, Inc.?

DCI Credit Services, Inc. is a debt collection agency headquartered in Dickinson, North Dakota. They also have several additional locations throughout North Dakota.

If you see DCI Credit Services, Inc. on your credit report, this means that they are attempting to recover a debt from you. This could be the result of an unpaid bill that has been transferred or sold to their agency for collection.

Who does DCI Credit Services collect for?

DCI Credit Services, Inc. provides debt collection services for a variety of clients across multiple industries. These can include commercial businesses, consumer and retail companies, financial institutions, healthcare providers, hospitals and medical centers, and physician practices. They also provide services for NSF (Non-Sufficient Funds) check recovery.

Is DCI Credit Services legit or a scam?

DCI Credit Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove DCI Credit Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

DCI Credit Services, Inc. Contact Information


DCI Credit Services, Inc.
1409 West Villard St.
Dickinson, ND 58602

Mailing address:

DCI Credit Services, Inc.
PO Box 1347
Dickinson, ND 58602

Phone number: (800) 822-0176

Should I contact or pay DCI Credit Services, Inc.?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like DCI Credit Services, Inc. on behalf of their clients.

Will DCI Credit Services, Inc. sue me or garnish my wages?

DCI Credit Services, Inc., like any other debt collection agency, has the legal right to file a lawsuit against a debtor for an unpaid debt. If they proceed with a lawsuit and the court rules in their favor, they may potentially garnish your wages or levy your bank account to collect the debt. The specific actions they can take depend on the laws in your state.

However, initiating a lawsuit is typically a last resort for most collection agencies. The process is costly and time-consuming, so agencies usually prefer to negotiate a payment plan with the debtor first.

DCI Credit Services, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with DCI Credit Services, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for DCI Credit Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • DCI Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • DCI Credit Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • DCI Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove DCI Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing DCI Credit Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.