If Global Credit Network appears on your credit report, it usually means an unpaid debt has been sent to collections. Collection accounts can lower your credit score and make it harder to qualify for loans, credit cards, or even rental housing.
Here’s how to deal with Global Credit Network and work toward getting them removed from your credit report.
Who Is Global Credit Network?
Global Credit Network, LLC (GCN) is a legitimate debt collection agency based in Gaithersburg, Maryland. If you’ve fallen behind on a medical bill, the healthcare provider may have turned the account over to GCN, which can lead to their name showing up on your credit report as a collection account.
Who Does Global Credit Network Collect For?
Global Credit Network primarily works with healthcare providers to recover unpaid medical debts. Their clients often include:
- Hospitals
- Clinics
- Private medical practices
If you have outstanding medical bills, Global Credit Network may be the agency contacting you to collect.
Is Global Credit Network a Scam?
No, Global Credit Network is not a scam. They are a real debt collection agency authorized to collect unpaid debts on behalf of healthcare providers.
That said, always verify the debt before making a payment. Errors can happen, and inaccurate or outdated information may appear on your credit report.
How to Remove Global Credit Network from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You can demand written proof that the debt is valid and the amount is correct. If they can’t provide it, they must stop reporting the account.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your report if you settle the debt. Always get the agreement in writing.
- Work with a credit repair company: Professionals can help challenge inaccurate or unfair 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 Global Credit Network?
Before contacting Global Credit Network or making a payment:
- Confirm the debt belongs to you
- Verify the amount is accurate
- Know your rights under your state’s laws, including how old the debt is
Paying an old debt without a clear plan can sometimes restart the collection timeline and further impact your credit. Many people choose to have a credit repair professional handle the process to avoid these issues.
Can Global Credit Network Sue You or Garnish Your Wages?
Yes, Global Credit Network has the legal right to sue for unpaid debts. If they win the lawsuit, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. Lawsuits and wage garnishment typically require multiple steps and are often considered a last resort. Most agencies try to negotiate payment plans or settlements before pursuing legal action.
Global Credit Network Contact Information
Address:
Global Credit Network, LLC
656 Quince Orchard Rd, Ste 620
Gaithersburg, MD 20878
Phone Numbers:
(888) 488-2770
(301) 838-7000
Global Credit Network Complaints
Like many debt collectors, Global Credit Network has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or repeated phone calls
- Refusal to verify debts
If you believe your rights are being violated, you can file a formal complaint and take further action to protect yourself.
Your Rights When Dealing with Global Credit Network
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors. These laws provide the following rights:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves
- They cannot threaten arrest or legal actions they aren’t authorized to take
Knowing your rights makes it easier to handle collections and protect your credit.
Get Global Credit Network Removed from Your Credit Report
If Global Credit Network is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people 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.
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.
