If FirstPoint Collection Resources is listed on your credit report, it likely means you have an unpaid debt that has been sent to collections. This can lower your credit score and stay on your report for years—but there are ways to address the situation and possibly remove the account.
Who Is FirstPoint Collection Resources?
FirstPoint Collection Resources, often referred to as FirstPoint Inc., is a debt collection agency headquartered in Greensboro, North Carolina. They work with companies to recover unpaid debts from consumers.
If they appear on your credit report, it typically means a past-due account—such as a medical bill, loan, or utility balance—has been placed with them for collection.
Who Does FirstPoint Collection Resources Collect For?
FirstPoint provides collection services across multiple industries, including:
- Healthcare (unpaid medical bills)
- Education (student loans or tuition balances)
- Financial institutions (credit cards and loans)
- Government agencies (fines, taxes, or fees)
- Public utilities (unpaid electricity, water, or gas bills)
They also offer additional services like background checks, business credit reports, and accounts receivable management for their clients.
Is FirstPoint Collection Resources Legitimate?
Yes, FirstPoint Collection Resources is a legitimate and authorized debt collection company. They’ve been in business for years and work on behalf of various organizations to recover past-due balances.
That said, mistakes can happen, so it’s important to verify that the debt is accurate before making payments.
How to Remove FirstPoint Collection Resources From Your Credit Report
A collections account can negatively impact your credit for up to seven years, but here’s how you may be able to remove FirstPoint:
- Dispute Errors: Review your credit reports for incorrect balances, dates, or account information. If anything looks inaccurate, file a dispute with the credit bureaus.
- Request Debt Validation: You can request proof that the debt belongs to you. Send a written debt validation letter to FirstPoint. If they can’t verify the account, they must stop collection efforts, and the account should be removed.
- Negotiate a Pay-for-Delete Agreement: In some cases, you may be able to settle the debt in exchange for having the collection removed from your credit report. Always get this agreement in writing before sending any payment.
- Work With a Credit Repair Company: Many consumers turn to credit repair professionals to help dispute or negotiate the removal of collections like FirstPoint from their credit reports.
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Should You Contact or Pay FirstPoint Collection Resources?
Before reaching out or paying FirstPoint, confirm that the debt is legitimate and legally collectible in your state. Making payments can sometimes restart the collection timeline, so review your options carefully.
If the debt is valid, you might consider negotiating a settlement or requesting a pay-for-delete arrangement to help clear your credit report.
Can FirstPoint Collection Resources Sue You or Garnish Your Wages?
FirstPoint does have the right to pursue legal action for unpaid debts. If they sue you and win a judgment, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
Lawsuits are usually a last resort, but it’s important to take any legal notices seriously. Most collection agencies prefer to resolve the debt through payment arrangements before considering court action.
FirstPoint Collection Resources Contact Information
- Addresses:
FirstPoint Collection Resources, Inc.
225 Commerce Place
Greensboro, NC 27401 FirstPoint Collection Resources, Inc.
1500 Sunday Drive, Suite 102
Raleigh, NC 27607 - Phone Number:
(800) 288-7408
Complaints About FirstPoint Collection Resources
FirstPoint has received complaints with agencies like the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB), which is common in the collections industry. Typical complaints include:
- Inaccurate reporting on credit reports
- Aggressive or excessive collection calls
- Failure to provide debt verification
If your rights are being violated, you can file a complaint with:
- CFPB: consumerfinance.gov or call (855) 411-2372
- BBB: bbb.org
Your Rights When Dealing With FirstPoint
Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), you are protected when dealing with debt collectors like FirstPoint:
- You can dispute inaccurate credit report information
- You can request written validation of the debt
- Harassment, threats, and abusive behavior are illegal
- Collectors must clearly identify themselves and their purpose
- You cannot be threatened with jail for unpaid debts
If FirstPoint violates your rights, report them to the proper authorities.
Remove FirstPoint Collections From Your Credit Report Today
Struggling with FirstPoint on your credit report? You don’t have to manage it alone. Credit Saint has helped thousands of people challenge negative marks from agencies like FirstPoint.
They back their services with a 90-day money-back guarantee if you’re not satisfied with the results.
Ready to get help? Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
