First Credit Services


Is First Credit 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 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?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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 Credit Services Contact Information


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 Credit reports can contain errors or list debts that are no longer valid.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 can help you dispute First Credit 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

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