Financial Credit Network


Is Financial Credit Network hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Financial Credit Network, Inc.?

Financial Credit Network, Inc. is a debt collection agency located in Visalia, California. Their primary responsibility is to collect overdue payments from individuals on behalf of various businesses or organizations.

If you spot Financial Credit Network on your credit report marked as a collections account, this is a clear indication that the company has taken over the task of recouping an unpaid debt that you owe.

Who does Financial Credit Network collect for?

Financial Credit Network primarily specializes in the collection of medical debts, partnering with healthcare providers to recover unpaid patient bills. Additionally, they extend their collection services to utilities, government entities, and local businesses

Is Financial Credit Network legit or a scam?

Financial Credit Network is a legitimate debt collection company. They are authorized to collect debts 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 Financial Credit Network from my credit report?

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 Credit Network, Inc. Contact Information


Financial Credit Network, Inc.
1300 W Main St.
Visalia, CA 93291-5825

Phone number: (800) 540-9011 or (559) 733-7550

Should I contact or pay Financial Credit Network?

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 Financial Credit Network is to work with a credit repair professional. They help remove millions of negative items every year from companies like Financial Credit Network on behalf of their clients.

Will Financial Credit Network sue me or garnish my wages?

Financial Credit Network, Inc. has the potential to sue you over an unpaid debt. If they win the case and obtain a judgment against you, they may be granted the right to garnish your wages or levy your bank account, depending on your state’s laws.

However, these legal actions are often seen as a last resort, due to their cost and time-consuming nature. Prior to initiating a lawsuit, they typically aim to establish a payment plan or agree upon a settlement with the debtor.

Financial Credit Network, 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 Credit Network, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Financial Credit Network 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.
  • Financial Credit Network may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Financial Credit Network 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.
  • Financial Credit Network cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Financial Credit Network From Your Credit Report Today!

Credit Saint can assist you in disputing Financial Credit Network 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.