If you’ve spotted Financial Credit Network on your credit report, it usually means a debt you owe has gone to collections—and it could be lowering your credit score. Here’s what you need to know about who they are, what they do, and how to get them off your report.
Who Is Financial Credit Network?
Financial Credit Network, Inc. is a debt collection agency based in Visalia, California. They work on behalf of businesses and government agencies to collect overdue payments from consumers.
If their name shows up on your credit report, it means they’re trying to collect on a debt, and they’ve reported that collection to the credit bureaus.
What Types of Debt Does Financial Credit Network Collect?
They primarily focus on medical debt, partnering with healthcare providers to recover unpaid bills. But they also collect for:
- Utility companies
- Local and state government agencies
- Small businesses and service providers
If you’ve missed a bill in any of these areas, they may have taken over the account.
Is Financial Credit Network a Legitimate Company?
Yes, they are a legitimate debt collector—not a scam. But just because they’re real doesn’t mean the debt is. Credit reports often contain errors, and collection agencies sometimes pursue debts that are already paid or too old to collect.
Always verify the debt before making any payment.
How to Remove Financial Credit Network From Your Credit Report
A collection account can stay on your credit report for up to seven years—even if you pay it. That’s why your best option is to try and get it removed entirely.
Here’s how:
- Dispute any errors – If the collection isn’t accurate, file a dispute with the credit bureaus.
- Send a debt validation letter – Ask Financial Credit Network to prove the debt is yours. If they can’t, they must stop collection efforts and remove it.
- Negotiate a pay-for-delete – Offer a settlement in exchange for having the account removed from your credit report. Get the agreement in writing first.
- Hire a credit repair service – A professional can help you challenge negative items and guide you through the process.
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 Financial Credit Network?
Not right away. First, confirm the debt is valid and still legally collectible. If the statute of limitations has passed, paying it could restart the clock and hurt your credit more.
If you decide to negotiate or settle, consider getting help from a credit repair company that knows how to deal with collectors like Financial Credit Network.
Can Financial Credit Network Sue You or Garnish Your Wages?
They can, but only after suing you and winning a judgment in court. If that happens, they may be able to garnish your wages or take funds from your bank account—depending on your state’s laws.
That said, legal action is usually a last resort. Collection agencies often prefer to settle or arrange payment plans instead.
What If They’re Harassing You or Reporting Incorrectly?
Like many debt collectors, Financial Credit Network has received complaints about aggressive communication and inaccurate credit reporting.
If you’re dealing with harassment or incorrect information, take these steps:
- Send a debt validation letter
- Dispute the account with the credit bureaus
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Report the issue to the Better Business Bureau (BBB)
Your Rights Under the FDCPA and FCRA
You have protections under two key federal laws:
- Fair Debt Collection Practices Act (FDCPA) – Prohibits abusive or misleading collection tactics
- Fair Credit Reporting Act (FCRA) – Gives you the right to dispute inaccurate credit report entries
Under these laws, Financial Credit Network must:
- Provide proof the debt is yours if you request it
- Stop contacting you once you send a written request
- Report only accurate and complete information
- Avoid harassment, threats, or deceptive language
- Clearly identify themselves as debt collectors
Contact Information for Financial Credit Network
Address:
Financial Credit Network, Inc.
1300 W Main St.
Visalia, CA 93291
Phone: (800) 540-9011 or (559) 733-7550
Need Help Getting Financial Credit Network Off Your Credit Report?
You don’t have to deal with collections by yourself. Credit Saint has helped thousands of people successfully dispute negative items like Financial Credit Network—and they back their work with a 90-day money-back guarantee if they don’t get results.
Visit their website or call (855) 281-1510 to learn more.
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.
