Seeing Franklin Collection Service on your credit report can be stressful, but you’re not stuck with it forever. Collection accounts hurt your credit score, but there are ways to get them removed and improve your financial health.
Here’s how to handle Franklin Collection Service and protect your credit.
Who Is Franklin Collection Service?
Franklin Collection Service, Inc. is a legitimate debt collection agency based in Tupelo, Mississippi. Their job is to collect past-due debts on behalf of their clients, usually after the original creditor has been unsuccessful in recovering the money.
If they’ve taken over your account, their name may appear on your credit report, signaling that the debt has entered collections.
Who Does Franklin Collection Service Collect For?
Franklin Collection Service works with clients in several industries, but they primarily focus on:
- Telecommunications companies – Unpaid phone, internet, or cable bills
- Healthcare providers – Medical bills from hospitals, clinics, or other healthcare facilities
If you’ve fallen behind on these types of payments, Franklin Collection Service could be the agency trying to collect.
Is Franklin Collection Service a Scam?
Franklin Collection Service is not a scam. They are a real, authorized debt collection agency. However, it’s important to confirm that any debt they contact you about is accurate and still legally collectible.
Mistakes happen—debts can be reported incorrectly or show up on your credit report after they’ve been settled or discharged.
How to Remove Franklin Collection Service from Your Credit Report
Collections can stay on your credit report for up to seven years, but there are steps you can take to remove them sooner:
- Dispute inaccurate information: If the debt isn’t yours or details are incorrect, dispute it with the credit bureaus.
- Request debt validation: You have the right to ask Franklin Collection Service to provide proof the debt is legitimate. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: In some cases, collection agencies will agree to remove the account from your credit report in exchange for payment. Always get the agreement in writing.
- Hire a credit repair company: Professionals can help challenge unfair or inaccurate negative items and 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 Franklin Collection Service?
Before paying or communicating with Franklin Collection Service, make sure:
- The debt belongs to you
- The balance is correct
- The debt is still within the statute of limitations for collection in your state
Paying an old debt without a plan can sometimes reset the clock and negatively affect your credit score. Many people choose to work with a credit repair company to handle these situations.
Can Franklin Collection Service Sue You or Garnish Your Wages?
Yes, Franklin Collection Service has the legal right to sue for unpaid debts. If they win in court, they may pursue:
- Wage garnishment
- Bank account levies
- Property liens
Whether they take legal action depends on the debt amount, your state’s laws, and other factors. Most collection agencies prefer to negotiate a payment plan or settlement rather than go to court.
Franklin Collection Service Contact Information
Addresses:
Franklin Collection Service, Inc.
105 S Front St.
Tupelo, MS 38804
Franklin Collection Service, Inc.
2978 West Jackson Street
Tupelo, MS 38801
Phone Numbers:
(800) 262-7590
(866) 319-0760
(662) 844-7776
Franklin Collection Service Complaints
Like many debt collectors, Franklin Collection Service has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive phone calls
- Refusal to verify debts
If you’re dealing with harassment or believe the information they reported is incorrect, you can file a formal complaint.
Your Rights When Dealing with Franklin Collection Service
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors:
- They can’t report false or incomplete information
- You have the right to request proof the debt is valid
- Harassment, threats, or abusive language is illegal
- They must clearly identify themselves as a debt collector
- They cannot threaten arrest or legal actions they’re not authorized to take
Knowing your rights makes it easier to deal with collection agencies and protect your credit.
Get Franklin Collection Service Removed from Your Credit Report
If Franklin Collection Service is damaging your credit, and you want help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people each year remove negative accounts from their reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready 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.
