If Firstsource Advantage has shown up on your credit report, chances are you have an unpaid account that’s been sent to collections. While collections can lower your credit score, there are ways to deal with the account—and possibly get it removed altogether.
Who Is Firstsource Advantage?
Firstsource Advantage, LLC is a debt collection agency headquartered in Amherst, New York. They work with businesses across different industries to recover unpaid balances from consumers.
If you see them listed on your credit report, it means an account you owe—like a loan, medical bill, or utility payment—has been turned over to them for collection.
Who Does Firstsource Advantage Collect For?
Firstsource Advantage handles collections for several industries, including:
- Auto lenders for unpaid car loans
- Credit card companies for overdue balances
- Healthcare providers for unpaid medical bills
- Student loan lenders for defaulted loans
- Telecommunications companies for past-due phone or internet bills
They act on behalf of these businesses to recover outstanding debts.
Is Firstsource Advantage a Legitimate Company?
Yes, Firstsource Advantage is a legitimate debt collector authorized to collect debts for its clients. However, it’s important to confirm that the debt they’re contacting you about is accurate and legally collectible.
Errors are common in the collections process, so don’t assume the information is correct without checking.
How to Remove Firstsource Advantage From Your Credit Report
A collection account can stay on your credit report for up to seven years, but you may be able to have it removed through the following options:
- Dispute Inaccuracies: Review your credit reports carefully. If there are incorrect details, like wrong balances or dates, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to request written proof that the debt is yours. If Firstsource Advantage can’t provide verification, they must stop collection efforts, and the account may be removed.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you settle the debt. If they agree, get the terms in writing before making a payment.
- Work With a Credit Repair Service: Many people turn to credit repair professionals to help dispute and negotiate the removal of collection accounts like Firstsource Advantage.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Firstsource Advantage?
Before making any payments or contacting Firstsource Advantage, confirm the debt is valid and within your state’s legal collection timeframe. Making payments on older debts can sometimes restart the statute of limitations, so weigh your options carefully.
If the debt is accurate and still collectible, negotiating a settlement or pay-for-delete deal could help resolve the account and improve your credit.
Can Firstsource Advantage Sue You or Garnish Your Wages?
Firstsource Advantage can pursue legal action for unpaid debts. If they file a lawsuit and win a judgment, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
These actions depend on your state’s laws. Keep in mind, most collection agencies try to work out payment arrangements before considering a lawsuit.
Firstsource Advantage Contact Information
- Addresses:
Firstsource Advantage, LLC
205 Bryant Woods South
Amherst, NY 14228
Firstsource Advantage, LLC
P.O. Box 628
Buffalo, NY 14240-0628 - Phone Numbers:
(800) 486-9164 or (716) 564-4400
Complaints About Firstsource Advantage
Like many debt collection agencies, Firstsource Advantage has received consumer complaints filed with organizations such as the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting to credit bureaus
- Harassment or frequent collection calls
- Failure to properly verify debts
If your rights are being violated, you can file a formal complaint by contacting the CFPB or BBB.
Your Rights When Dealing With Firstsource Advantage
Debt collectors must follow strict guidelines under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), including:
- You can dispute incorrect or incomplete credit report information
- You can request written proof the debt belongs to you
- Harassment, threats, or abusive behavior are prohibited
- Debt collectors must clearly identify themselves and their purpose
- You cannot be threatened with jail for unpaid debts
If Firstsource Advantage fails to follow these rules, report the behavior to the appropriate authorities.
Remove Firstsource Advantage From Your Credit Report Today
Dealing with Firstsource Advantage collections? You don’t have to figure it out by yourself. Credit Saint has years of experience helping people successfully dispute and remove negative accounts from their credit reports.
They even offer a 90-day satisfaction guarantee, so there’s no risk in seeing how they can help.
Ready to get started? 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.
