Who is Diversified Collection Service, Inc.?
Diversified Collection Services, Inc. (DCS) was a well-known debt collection agency based out of Livermore, California. They have a long history in the debt collection industry. In 2012, DCS changed their name to Performant Recovery.
They might appear on your credit report if there’s an account in collections that has been assigned to them, typically due to an unpaid bill.
Who does Diversified Collection Services collect for?
During its operation, Diversified Collection Services primarily focused on collecting defaulted student loans. They worked on behalf of the federal government and state guarantee agencies. They also handled collections for other sectors, but their primary focus was on education-related debt.
Is Diversified Collection Services legit or a scam?
Diversified Collection Services, now known as Performant Recovery, is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Diversified Collection 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Diversified Collection Services, Inc. (DCS) Contact Information
Diversified Collection Services, Inc.
P.O. Box 32145
Fridley, MN 55432
Performant Recovery Address:
333 North Canyons Pkwy Ste 100
Livermore, CA 94551
Phone number: (800) 279-3733 or (925) 960-4800.
Should I contact or pay Diversified Collection Services, Inc.?
It’s best to avoid speaking to a collection agency 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 Diversified Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Diversified Collection Services, Inc. on behalf of their clients.
Will Diversified Collection Services, Inc. sue me or garnish my wages?
Diversified Collection Services, Inc. can potentially sue for an unpaid debt, as is the case with most debt collectors. If they successfully win a lawsuit against you, they may be able to garnish your wages or levy your bank account, depending on the laws of your state.
However, it’s important to note that suing is typically not the first course of action for most collection agencies. Lawsuits can be costly and time-consuming, so many agencies prefer to work out a payment plan with the debtor.
Diversified Collection 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 Diversified Collection 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 debt collector 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 Diversified Collection 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.
- Diversified Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Diversified Collection 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.
- Diversified Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Diversified Collection Services From Your Credit Report Today!
Lexington Law can assist you in disputing Diversified Collection Services collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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