If you’ve spotted Equinox Collection Services on your credit report, it usually means a debt you owed was sent to collections. Equinox Collection Services, also known as NorthStar Technologies, is a debt collection agency based in Tulsa, Oklahoma.
Collections accounts can lower your credit score for years, so it’s important to take action and know your options.
Who Does Equinox Collection Services Collect For?
Equinox Collection Services works with businesses across different industries to recover unpaid debts, including:
- Financial institutions
- Medical providers
- Retail businesses
- Property management companies
- Service-based companies
When businesses can’t collect payments directly, they often turn to collection agencies like Equinox to recover the debt.
Is Equinox Collection Services Legitimate?
Yes, Equinox Collection Services is a legitimate debt collection company. They are authorized to collect debts on behalf of other businesses. That said, always verify the debt before making payments to ensure the information is accurate and belongs to you.
How to Remove Equinox Collection Services From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, making it harder to qualify for loans, credit cards, or rental housing. To try to remove Equinox Collection Services from your credit report:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They must investigate and fix any inaccurate reporting.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to remove the account from your credit report if you pay the balance. Always get this agreement in writing before sending payment.
- Work With a Credit Repair Company: Many people hire credit repair professionals to help challenge negative marks from companies like Equinox.
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Should You Contact or Pay Equinox Collection Services?
Before calling Equinox Collection Services or making payments, verify the debt is valid and still legally collectible. Credit reports often contain mistakes, and paying an old or invalid debt can sometimes restart the collection timeline, which may hurt your credit further.
If you’re unsure how to handle it, consider working with a trusted credit repair service to manage the process for you.
Can Equinox Collection Services Sue You or Garnish Your Wages?
Equinox Collection Services can sue you for unpaid debts. If they win a lawsuit and obtain a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
The ability to take these actions depends on your state’s laws. That said, lawsuits and wage garnishment are usually last-resort options, as most collectors prefer to settle or set up a payment plan first.
Equinox Collection Services Contact Information
- Office Address:
Equinox Collection Services, Inc.
10159 E 11th St, Ste 500
Tulsa, OK 74128 - Mailing Address:
Equinox Collection Services, Inc.
PO Box 3280
Broken Arrow, OK 74013 - Phone:
(866) 337-9736
Equinox Collection Services Complaints
Many consumers have filed complaints about Equinox Collection Services with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report your concerns
Your Rights When Dealing With Equinox Collection Services
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights as a consumer. Your rights include:
- You can dispute inaccurate or incomplete information on your credit report.
- You can request debt validation. Equinox must prove the debt is yours and that the amount is accurate within 30 days of your written request.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector during all communications.
- They cannot threaten you with arrest or jail for unpaid debts.
If your rights are violated, report them to the CFPB or seek legal help.
Remove Equinox Collection Services From Your Credit Report Today
Dealing with Equinox Collection Services on your credit report? You don’t have to handle it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like Equinox.
They even offer a 90-day money-back guarantee if no questionable negative marks are removed from your report within the first 90 days. To qualify, you’ll need to stay active, submit ID within five days, make all payments, and avoid adding new negative marks during the process.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
