If First Collection Services (FCS) shows up on your credit report, it likely means a debt collection account has been added. These accounts can lower your credit score and remain on your credit report for up to seven years if not addressed.
Here’s how First Collection Services operates and what you can do to remove their account from your credit report.
Who Is First Collection Services?
First Collection Services is a debt collection agency based in Little Rock, Arkansas. They recover unpaid debts on behalf of other companies. If you see their name on your credit report, it usually means a creditor has turned your account over to collections.
Who Does First Collection Services Collect For?
First Collection Services works with businesses in several industries, including:
- Banking: Unpaid loans or other banking products
- Medical Services: Past-due medical bills
- Telecommunications: Unpaid phone, internet, or cable accounts
- Utilities: Outstanding utility bills
If you’ve fallen behind on payments in any of these areas, the original company may have hired FCS to collect the debt.
Is First Collection Services Legitimate?
Yes, First Collection Services is a real debt collection agency. They are authorized to collect debts for their clients. That said, you should never assume the debt is accurate without verifying it. Errors on credit reports are common.
How to Remove First Collection Services from Your Credit Report
If you want to get FCS off your credit report, here are the steps to take:
- Dispute the Account: Review your credit report for incorrect information. If there are errors, file a dispute with the credit bureaus to have them removed.
- Request Debt Validation: You have the right to ask FCS for proof that the debt belongs to you and the amount is correct. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to negotiate a pay-for-delete agreement, where you pay the debt in exchange for the account being removed from your credit report. Get the agreement in writing.
- Work with a Credit Repair Company: If you’re unsure how to proceed, a reputable credit repair company can help dispute negative accounts and assist with improving your credit.
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 First Collection Services?
Before you call or pay FCS, verify the debt is valid and still within the statute of limitations. Paying old debt can sometimes restart the clock and negatively affect your credit, so make sure to understand your rights first.
Many people prefer to have a credit repair professional handle communication with collection agencies to avoid mistakes.
Can First Collection Services Sue You or Garnish Your Wages?
Debt collectors like FCS can take legal action to recover unpaid debts. If they sue and win, the court may allow them to garnish wages, levy bank accounts, or take other actions based on your state’s laws.
Not every collection agency pursues lawsuits, but ignoring collection notices increases your risk. Acting early gives you more control over the situation.
First Collection Services Complaints
Like many collection agencies, First Collection Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to validate debts when requested
- Harassment or aggressive collection tactics
If FCS violates your rights, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with First Collection Services
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) provide protections, including:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- FCS must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps protect you from unfair treatment.
First Collection Services Contact Information
Address:
First Collection Services
10925 Otter Creek East Blvd
Little Rock, AR 72103
Phone Numbers:
(800) 844-2036
(501) 455-1658
Always communicate in writing and keep copies of all correspondence.
Remove First Collection Services from Your Credit Report Today
Struggling with collection accounts like FCS? A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.

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.