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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Diversified Credit Systems Contact Information
Address:
Diversified Credit Systems
706 Glencrest Ln Ste A
Longview, TX 75606
Mailing address:
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. Credit reports can contain errors or list debts that are no longer valid.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 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
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 Diversified Credit Systems
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Diversified Credit Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Diversified Credit Systems 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.
- Diversified Credit Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Diversified Credit Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing Diversified Credit Systems collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
