First Collection Services

Is First Collection Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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.

(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.

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?

It’s best to avoid speaking to a debt collector 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 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

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 First Collection Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • First Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • First Collection Services 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.
  • First Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove First Collection Services From Your Credit Report Today!

Credit Saint can assist you in disputing First Collection Services collection 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?

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