How to Remove DCI Credit Services From Your Credit Report

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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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Repair Your Credit?

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

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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DCI Credit Services, Inc. Contact Information

Address:

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.?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with DCI Credit Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • DCI Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • DCI Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • DCI Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove DCI Credit Services From Your Credit Report Today!

Credit Saint can help you dispute DCI Credit Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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