How to Remove First Credit Services From Your Credit Report

Who is First Credit Services?

First Credit Services is a debt collection agency located in Piscataway, New Jersey. They work with businesses who are unable to collect payment from their clients.

If you find First Credit Services listed on your credit report as a collections account, it generally implies that a past bill or debt obligation was not paid and has been transferred to this agency for recovery.

Who does First Credit Services collect for?

First Credit Services specializes in collecting for clients within the health and fitness industry. They service a diverse range of businesses within this sector, such as corporate gyms, fitness clubs, standalone gyms, martial arts academies, and independent personal trainers.

Is First Credit Services legit or a scam?

First Credit 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 Credit Services from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

First Credit Services Contact Information

Address:

First Credit Services
9 Wills Way
Piscataway, NJ 08854

Phone number: (732) 726-1800

Should I contact or pay First Credit Services?

Before contacting a debt collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like First Credit Services on behalf of their clients.

Will First Credit Services sue me or garnish my wages?

First Credit Services has the capacity to sue for unpaid debts. Whether they will choose to take legal action typically depends on factors such as the amount of debt and the likelihood of successfully recovering the debt. If they successfully obtain a judgment against a debtor, they may be able to garnish wages or take other measures to collect the debt, subject to local laws.

However, suing for a debt can be a complex, lengthy, and costly process for a collection agency. Before resorting to legal actions, they often prefer to negotiate a settlement or agree on a payment plan with the debtor.

First Credit Services 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 Credit 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 Credit 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 Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• First Credit 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 Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove First Credit Services From Your Credit Report Today!

Credit Saint offers assistance with disputing First Credit Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.