Who is Diversified Credit Systems?
Diversified Credit Systems (DCS) is a debt collection agency headquartered in Longview, Texas. They work on behalf of creditors to collect unpaid debts from individuals.
If you have an account listed under DCS on your credit report, it indicates that you have a debt that the company is attempting to collect. This could be a result of an unpaid bill, defaulted loan, or other financial obligation that has been transferred or sold to the collection agency.
Who does Diversified Credit Systems collect for?
Diversified Credit Systems primarily collects for healthcare service providers. These include hospitals, clinics, medical practices, and other entities involved in healthcare delivery. They manage unpaid medical bills, which can result from insurance disputes, high deductible insurance plans, or situations where patients are unable to pay for services rendered.
Is Diversified Credit Systems legit or a scam?
Diversified Credit Systems is a legitimate debt collection company. However, they may employ persistent communication methods such as repeated phone calls, text messages, or emails in their efforts to collect a debt.
How can I remove Diversified Credit Systems 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.)
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Diversified Credit Systems Contact Information
Diversified Credit Systems
706 Glencrest Ln Ste A
Longview, TX 75606
Diversified Credit Systems
PO Box 3424
Longview, TX 75606
Phone number: (800) 256-3838 or (903) 297-0600
Should I contact or pay Diversified Credit Systems?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Diversified Credit Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Diversified Credit Systems on behalf of their clients.
Will Diversified Credit Systems sue me or garnish my wages?
Diversified Credit Systems (DCS) is entitled to sue you to collect an unpaid debt. If they win the lawsuit, they may be able to garnish your wages or levy your bank accounts, depending on the laws in your state.
However, suing is usually a last resort after multiple attempts to collect the debt through regular contact methods have failed. Legal action also involves cost and time, so agencies often prefer to avoid it when possible.
Diversified Credit Systems 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 Credit Systems
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Credit Systems 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 Credit Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Diversified Credit Systems 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 Credit Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
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If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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