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 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.)
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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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
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
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 Credit Services
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- First Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- First Credit 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 Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove First Credit Services From Your Credit Report Today!
Credit Saint can assist you in disputing First Credit 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.
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