First Collection Services


Is First Collection Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is First Collection Services?

First Collection Services (FCS) is a well-established debt collection agency with its headquarters in Little Rock, Arkansas.

If you notice a listing from FCS on your credit report, it usually indicates a debt you’ve not settled. This might be from a bank loan, a medical bill, or an unpaid utility bill, among other debts.

Who does First Collection Services collect for?

First Collection Services works with various clients across multiple sectors. Their client base mainly includes companies in banking, medical services, telecommunications, and utilities.

Is First Collection Services legit or a scam?

First Collection Services is a legitimate 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 First Collection Services from my credit report?

First Collection Services 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.

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

First Collection Services (FCS) Contact Information


First Collection Services
10925 Otter Creek East Blvd
Little Rock, AR 72103

Phone number: (800) 844-2036 or (501) 455-1658

Should I contact or pay First Collection Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with First Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like First Collection Services on behalf of their clients.

Will First Collection Services sue me or garnish my wages?

First Collection Services, like any other debt collection agency, has the legal right to sue you to recover the debt you owe. If they win the case, and the court issues a judgment against you, they may be granted the right to garnish your wages or levy your bank accounts depending on the laws of your specific state. However, lawsuits are typically a last resort for debt collection companies, as they require time and resources.

First Collection Services (FCS) Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with First Collection Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for First Collection Services 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • First Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • First Collection Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • First Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove First Collection Services From Your Credit Report Today!

Credit Saint can help you dispute First Collection Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.