How to Remove First Credit Services From Your Credit Report

If First Credit Services shows up on your credit report, it likely means a past-due account has been sent to collections. A collection account can lower your credit score and stay on your report for up to seven years if you don’t take action.

Here’s what you need to know about First Credit Services and how to work toward getting their collection account removed.

Who Is First Credit Services?

First Credit Services is a debt collection agency based in Piscataway, New Jersey. They work with businesses to recover unpaid debts from consumers.

If you find First Credit Services on your credit report, a company has likely hired them to collect money they believe you owe.

Who Does First Credit Services Collect For?

First Credit Services primarily works with clients in the health and fitness industry. Their collection efforts often involve:

• Corporate gyms
• Fitness clubs
• Martial arts academies
• Personal trainers

If you’ve fallen behind on payments to a gym or fitness-related service, your account may have been turned over to them for collection.

Is First Credit Services Legitimate?

Yes, First Credit Services is a real debt collection agency. They are authorized to collect debts for their clients. That said, mistakes can happen, so never assume the debt is valid without verifying the details.

How to Remove First Credit Services From Your Credit Report

Collections from First Credit Services can hurt your credit, but there are steps you can take:

• Dispute Inaccuracies: Review your credit report for errors. If the debt isn’t yours or the details are incorrect, dispute it with the credit bureaus.
• Request Debt Validation: You have the right to ask First Credit Services for proof that the debt is yours and the amount is accurate. They must provide written verification if requested.
• Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This means offering payment in exchange for the account being removed from your credit report. Always get the agreement in writing before sending money.
• Work With a Credit Repair Service: Many people choose to have professionals help dispute collections and other negative items.

Should You Contact or Pay First Credit Services?

Before contacting First Credit Services, confirm the debt is legitimate and accurately reported. Sometimes debts are incorrect, outdated, or even beyond the statute of limitations.

Also, be aware that making a payment can restart the clock on certain debts, affecting your credit.

For many people, working with a credit repair company is the simplest way to handle collections and protect their credit.

Can First Credit Services Sue You or Garnish Your Wages?

First Credit Services can sue you over unpaid debts. If they file a lawsuit and win, they could pursue wage garnishment or other legal actions, depending on your state’s laws.

However, lawsuits are typically a last resort. Collection agencies often prefer to work out settlements or payment plans before taking legal action.

First Credit Services Contact Information

Here’s how to reach First Credit Services:

Address:
First Credit Services
9 Wills Way
Piscataway, NJ 08854

Phone: (732) 726-1800

Complaints About First Credit Services

Many collection agencies have complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints about First Credit Services include:

• Incorrect information on credit reports
• Failure to verify debts
• Harassment or aggressive collection tactics

If you feel your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With First Credit Services

You are protected under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). First Credit Services cannot:

• Report false or incomplete information on your credit report
• Harass you with excessive calls, threats, or abusive language
• Misrepresent their identity or the reason for contacting you
• Threaten you with arrest for unpaid debts

You can also request written proof of the debt. First Credit Services must provide verification within 30 days of your request.

Get Help Removing First Credit Services From Your Credit Report

If dealing with First Credit Services feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.

To learn more, visit their website or call (855) 281-1510.