Seeing Fairway Collections on your credit report can feel like a punch to the gut—but you’re not stuck with it forever. Whether the debt is legitimate or a mistake, you have options to protect your credit and clean up your report.
Who Is Fairway Collections?
Fairway Collections, LLC is a debt collection agency based in Centralia, Washington. If they appear on your credit report, it means they’re trying to collect on a debt—usually one that’s been unpaid for a while.
They work on behalf of other companies, collecting money from individuals or businesses that haven’t paid their bills.
What Types of Debt Does Fairway Collections Handle?
Fairway Collections works with a wide range of industries, including:
- Healthcare providers – for unpaid medical bills
- Schools and colleges – for student fees, loans, or fines
- Property managers and HOAs – for rent, lease violations, or unpaid fees
- Government and utility companies – for taxes, parking tickets, or utility bills
- Credit unions and banks – for overdrafts, loans, mortgages, and credit cards
If you’ve fallen behind on payments in any of these categories, they may be the agency contacting you now.
Is Fairway Collections Legitimate?
Yes, they’re a real, licensed debt collection company. But that doesn’t mean the debt they’re trying to collect is always valid. Debt collectors sometimes chase after the wrong person, or try to collect on accounts that have already been paid, discharged, or expired.
Always verify the debt before you engage.
How to Remove Fairway Collections From Your Credit Report
A collection account can hurt your credit score for up to seven years. If you want it gone, here are your best options:
- Dispute inaccurate information – If the debt isn’t yours or the balance is wrong, file a dispute with the credit bureaus.
- Request debt validation – Ask Fairway Collections to provide proof that the debt is real, belongs to you, and is reported correctly.
- Negotiate a pay-for-delete – Offer to settle the account in exchange for them removing it from your credit report. Get it in writing first.
- Hire a credit repair service – If you’d rather not handle it yourself, a professional can help dispute or remove the account for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Fairway Collections?
Not until you’ve confirmed the debt is valid. Contacting them—or making a payment—can reset the statute of limitations in some states, giving them more time to sue or collect.
If the debt is legitimate, and you’re ready to resolve it, try negotiating a lower payoff amount or a pay-for-delete agreement. Just make sure you get everything in writing.
Can Fairway Collections Sue You or Garnish Your Wages?
Yes, they can—but only after taking you to court and winning a judgment. Even then, wage garnishment depends on your state’s laws.
That said, lawsuits are expensive and time-consuming, so most collectors prefer to settle. It’s often easier (and cheaper) for them to agree on a payment plan than to go to court.
What If Fairway Collections Is Harassing You?
Fairway Collections has received complaints—like many other collection agencies—related to harassment, repeated calls, and inaccurate reporting.
If you’re dealing with any of that, take action:
- Dispute the debt with the credit bureaus
- Send a debt validation letter
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Report the behavior to the Better Business Bureau (BBB)
Your Rights Under the FDCPA and FCRA
Federal laws protect you from dishonest or aggressive debt collectors. You’re covered by:
- The Fair Credit Reporting Act (FCRA) – Allows you to challenge inaccurate credit report entries
- The Fair Debt Collection Practices Act (FDCPA) – Prohibits threats, harassment, and false claims
Debt collectors cannot:
- Report false or incomplete information
- Ignore a request for debt validation
- Harass or threaten you with arrest
- Call you repeatedly or use abusive language
- Pretend to be someone they’re not
You have the right to dispute the debt and demand fair treatment.
Contact Information for Fairway Collections
Address:
Fairway Collections, LLC
1616 S Gold St, Suite 5
Centralia, WA 98531
Phone: (360) 330-5887
Want Help Removing Fairway Collections From Your Credit?
Dealing with debt collectors is stressful—but you don’t have to handle it on your own. Credit Saint has helped thousands of people dispute inaccurate collection accounts like Fairway Collections. And if they can’t deliver results, they offer a 90-day money-back guarantee.
Visit their website or call (855) 281-1510 to learn how they can help.
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.
