If FOX Collection Center appears on your credit report, it likely means a debt you owe has been sent to collections. This can lower your credit score and make it harder to qualify for loans, credit cards, or other financial opportunities.
Here’s what you need to know about FOX Collection Center and how to remove them from your credit report.
Who Is FOX Collection Center?
FOX Collection Center is a legitimate debt collection agency based in Goodlettsville, Tennessee. They also have call centers located in Cookeville, Tennessee, and Anderson, South Carolina. Their job is to collect unpaid debts on behalf of various businesses.
If you see their name on your credit report, it means they’ve taken over a delinquent account that went unpaid.
Who Does FOX Collection Center Collect For?
FOX Collection Center works with a wide range of businesses and organizations, including:
- Hospitals and medical practices – Unpaid medical bills
- Utilities – Past-due utility accounts
- Municipalities – Overdue local government fees or fines
- Billing companies – Unresolved invoices or balances
Their involvement covers several types of debt, which is why their name often shows up on credit reports related to medical, utility, or municipal debts.
Is FOX Collection Center a Scam?
FOX Collection Center is not a scam. They are a real, licensed debt collection agency authorized to collect debts on behalf of their clients.
That being said, collection agencies sometimes report incorrect information or try to collect on old or settled debts. Always verify the details before making payments or agreeing to anything.
How to Remove FOX Collection Center from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to potentially remove them sooner:
- Dispute inaccurate information: If the debt is not yours or details are incorrect, dispute the account with the credit bureaus.
- Request debt validation: You can demand written proof that the debt is legitimate and accurate. If they can’t provide it, they must stop reporting it.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your credit report in exchange for payment. Always get the agreement in writing first.
- Hire a credit repair service: Professionals can help challenge unfair or incorrect negative items and may improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay FOX Collection Center?
Before paying or contacting FOX Collection Center, make sure:
- The debt is valid and belongs to you
- The amount is accurate
- The debt is still legally collectible under your state’s laws
Be cautious—paying an old debt can reset the clock and potentially lower your credit score further. Many people choose to work with a credit repair company to handle this process.
Can FOX Collection Center Sue You or Garnish Your Wages?
Yes, like other collection agencies, FOX Collection Center has the legal right to sue you for unpaid debts. If they win the case, they can pursue:
- Wage garnishment
- Bank account levies
- Property liens
These actions depend on your state’s specific laws. However, lawsuits are usually a last resort because they take time and money. Most agencies prefer to work out a settlement or payment plan first.
FOX Collection Center Contact Information
Address:
FOX Collection Center
454 Moss Trail
Goodlettsville, TN 37070
Phone:
(615) 859-2891 or (800) 422-2793
FOX Collection Center Complaints
Like many debt collectors, FOX Collection Center has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Harassment or aggressive collection tactics
- Refusing to verify the debt
If you experience these issues, you have the right to file a complaint and take further action.
Your Rights When Dealing with FOX Collection Center
Debt collectors must follow strict federal and state laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair or abusive practices:
- They cannot report false or incomplete information
- You have the right to request debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- They must clearly identify themselves as a debt collector
- They cannot threaten arrest or legal actions they aren’t authorized to take
Knowing your rights makes it easier to protect your credit and handle collection accounts effectively.
Get FOX Collection Center Removed from Your Credit Report
If FOX Collection Center is affecting your credit, and you want help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people remove negative accounts from their reports every year—and they even offer a 90-day money-back guarantee for peace of mind.
Want to clean up your credit? Visit their website or call (855) 281-1510 to get started.
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.
