How to Remove GC Services From Your Credit Report

If GC Services shows up on your credit report, it usually means an unpaid debt has been sent to collections. This can lower your credit score and make it harder to qualify for loans, credit cards, or even certain jobs.

Here’s how to handle GC Services and work toward removing the account from your credit report.

Who Is GC Services?

GC Services, LP (also known as GC Services Limited Partnership), is a large debt collection agency based in Houston, Texas. They operate more than 30 call centers across the United States and internationally.

If you have fallen behind on a bill, the debt may be transferred or sold to GC Services for collection. When that happens, their name often appears on your credit report as a collections account.

Who Does GC Services Collect For?

GC Services works with companies from several industries, including:

• Automotive
• Banking and financial services
• Government agencies
• Retailers
• Shipping and transportation
• Student loan servicers
• Technology companies
• Telecommunications providers
• Toll roads, parking, and traffic authorities
• Utilities

If you’ve fallen behind on a debt with a business in any of these sectors, GC Services may be the agency contacting you.

Is GC Services a Scam?

No, GC Services is not a scam. They are a legitimate debt collection agency authorized to collect debts on behalf of their clients. However, it’s still important to verify the debt is valid before agreeing to pay.

Mistakes happen, and incorrect or outdated information can sometimes show up on your credit report.

How to Remove GC Services from Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but you may be able to get them removed sooner by:

• Disputing inaccurate information: If the debt doesn’t belong to you or details are incorrect, file a dispute with the credit bureaus.
• Requesting debt validation: You can demand written proof that the debt is yours and the amount is accurate. If they can’t provide it, they must stop reporting the account.
• Negotiating a pay-for-delete: In some cases, GC Services may agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
• Working with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and improve your chances of removal.

Should You Contact or Pay GC Services?

Before reaching out to GC Services or making any payments, be sure to:

• Confirm the debt is yours
• Verify the balance is correct
• Understand your rights under state laws, including how old the debt is

Be cautious—paying an old debt can sometimes reset the collection timeline and hurt your credit further. Many people work with credit repair experts to avoid these issues and handle collections the right way.

Can GC Services Sue You or Garnish Your Wages?

Yes, GC Services has the legal right to sue for unpaid debts. If they win the lawsuit, they may pursue:

• Wage garnishment
• Bank account levies
• Other legal options based on your state’s laws

Not all debts are eligible for these actions, and many collection agencies view lawsuits as a last resort due to the time and expense involved. Often, they will try to negotiate a payment plan or settlement before taking legal action.

GC Services Contact Information

Addresses:
GC Services
6330 Gulfton St.
Houston, TX 77081

GC Services
9800 Northwest Fwy, Ste 401
Houston, TX 77092

Phone Numbers:
(800) 756-6524
(877) 374-0943
(713) 776-6623

GC Services Complaints

Like many debt collectors, GC Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate reporting
• Harassment or excessive calls
• Refusing to verify debts

If you experience these issues, you have the right to file a complaint and take action to protect yourself.

Your Rights When Dealing with GC Services

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors. Your rights include:

• The right to dispute inaccurate information
• The right to request debt validation within 30 days
• Protection from harassment, threats, or abusive language
• The requirement for debt collectors to clearly identify themselves
• Protection from false threats of arrest or legal action

Knowing your rights makes it easier to deal with collection agencies and take steps to clean up your credit.

Get GC Services Removed from Your Credit Report

If GC Services is damaging your credit, and you want help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people every year remove negative items from their credit 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.