If you’ve noticed FMS Inc showing up on your credit report, you’re probably wondering how to get rid of it. A collection account from FMS Inc can hurt your credit score and stay on your report for years if left unchecked.
Here’s everything you need to know about FMS Inc and how to remove their collections from your credit report.
Who Is FMS Inc?
FMS Inc is a legitimate debt collection agency based in Tulsa, Oklahoma, with another office in Nampa, Idaho. They collect unpaid debts on behalf of other companies, which often leads to their name appearing on your credit report under collections.
If you see FMS Inc listed on your credit report, it usually means a bill went unpaid and the original creditor handed it over to them for collection.
Who Does FMS Inc Collect For?
FMS Inc primarily focuses on collecting healthcare-related debts. This includes unpaid medical bills from:
- Hospitals
- Doctor’s offices
- Healthcare providers
If you’ve had outstanding medical expenses, that’s likely how FMS Inc got involved.
Is FMS Inc a Scam?
No, FMS Inc is not a scam. They’re a real debt collection agency authorized to collect debts for their clients. But just because they’re legitimate doesn’t mean the debt they’re trying to collect is always accurate. Always double-check any account they claim you owe before making a payment.
How to Remove FMS Inc From Your Credit Report
A collection account from FMS Inc can stay on your credit report for up to seven years, even if you pay it off. But there are steps you can take to get it removed sooner:
- Dispute Any Errors: If the account isn’t yours, the amount is wrong, or they’ve reported incorrect details, file a dispute with the credit bureaus.
- Request Debt Validation: Send FMS Inc a written debt validation letter. They must prove the debt is legitimate and belongs to you before continuing collection efforts.
- Negotiate a Pay-for-Delete: You can try to negotiate a pay-for-delete agreement, where you agree to pay the debt if they agree in writing to remove the collection from your credit report.
- Hire a Credit Repair Service: Professionals who handle credit disputes every day can often help get collections removed faster and with less stress.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay FMS Inc?
Before you send any money, confirm the debt is accurate and still legally collectible. Paying a collection can sometimes reset the reporting timeline, so it’s important to weigh your options. If you decide to pay, try to negotiate a pay-for-delete so the account comes off your credit report entirely.
Can FMS Inc Sue You or Garnish Your Wages?
Debt collectors like FMS Inc can sue you if they believe you owe the debt and you haven’t made arrangements to resolve it. If they win the lawsuit, they could get a judgment that allows wage garnishment or other legal actions, depending on the laws in your state.
Not every unpaid account leads to a lawsuit, but ignoring the situation can increase the risk.
FMS Inc Contact Information
Here’s how to get in touch with FMS Inc:
FMS Inc (Main Office)
4915 S Union Ave
Tulsa, OK 74107
FMS Inc (Idaho Office)
1551 11th Ave N, Suite 150
Nampa, ID 83687
Phone: (918) 747-4884
If you choose to contact them, be cautious. Keep records of all communication and never admit to owing the debt unless you’ve verified it.
Complaints About FMS Inc
Like many debt collectors, FMS Inc has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information
- Failing to validate debts
- Harassing phone calls
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Know Your Rights When Dealing With FMS Inc
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you important protections, including:
- Debt Validation: You can request written proof the debt is yours and the amount is accurate.
- Protection From Harassment: FMS Inc cannot threaten, harass, or use abusive language.
- Honest Communication: They must clearly identify themselves as a debt collector and explain their reason for contacting you.
- No False Threats: They cannot threaten arrest or legal action they have no intention of pursuing.
- Accurate Reporting: They cannot report false or incomplete information about you to the credit bureaus.
If FMS Inc violates your rights, you can take legal action or report them to the proper authorities.
Ready to Remove FMS Inc From Your Credit Report?
Dealing with debt collectors can be frustrating, but you don’t have to handle it alone. Credit Saint has helped thousands of people dispute inaccurate collections and clean up their credit reports. They’ve even got a 90-day money-back guarantee for extra peace of mind.
If you want professional help removing FMS Inc collections, visit their website or call (855) 281-1510 for a free consultation.
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.
