Is FBCS hurting your credit score?

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Who is FBCS?

Financial Business and Consumer Solutions or FBCS, Inc. is a debt collection agency headquartered in Hatboro, Pennsylvania. FBCS also has locations in North Cape May, New Jersey and Tampa, Florida.

If FBCS appears on your credit report, it typically signifies an unpaid bill that has been transferred to them for collection.

Who does FBCS collect for?

FBCS provides its debt collection services across various sectors. It works with companies in auto loans and leases, commercial recovery, consumer credit, healthcare, student loans, and utilities.

Is FBCS legit or a scam?

FBCS is a legitimate company. They’ve been in business since 1982 and were formerly known as Federal Bond Collection Services.

They operate within the laws 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 FBCS Collections from my credit report?

FBCS 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Financial Business and Consumer Solutions (FBCS) Contact Information


Financial Business and Consumer Solutions
330 S Warminster Road, Suite 353
Hatboro, PA 19040

Financial Business and Consumer Solutions
3860 Bayshore Road, Suite 8
North Cape May, NJ 08204

Financial Business and Consumer Solutions
3802 Corporex Park Drive, Suite 160
Tampa, FL 33619

Phone number: (866) 594-8640

Should I contact or pay FBCS, 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 FBCS is to work with a credit repair professional. They help remove millions of negative items every year from companies like Financial Business and Consumer Solutions on behalf of their clients.

Will FBCS, Inc. sue me or garnish my wages?

FBCS, Inc., like other debt collection agencies, has the legal authority to file a lawsuit against individuals who owe a debt. If they win the lawsuit and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to understand that initiating a lawsuit is often considered a last resort due to the time, effort, and cost involved. This decision typically depends on various factors, such as the size of the debt, the likelihood of collecting the debt, and the specific policies of the collection agency.

FBCS, 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 Financial Business and Consumer Solutions

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 FBCS, Inc. 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.
  • FBCS, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • FBCS, Inc. 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.
  • FBCS, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove FBCS Collections From Your Credit Report Today!

Credit Saint can assist you in disputing FBCS accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.