Gold Key Credit


Is Gold Key Credit hurting your credit score?

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Who is Gold Key Credit?

Gold Key Credit, Inc. (GKC) is a debt collection agency based in Brooksville, Florida. As a debt collector, GKC attempts to recover unpaid debts that original creditors have been unable to collect.

If GKC appears on your credit report, it generally means that a debt you owe has been transferred or sold to them.

Who does Gold Key Credit collect for?

Gold Key Credit specializes in collecting consumer debts, specifically focusing on medical debt. They work on behalf of healthcare providers such as hospitals, medical practices, and other healthcare-related institutions to recover unpaid debts. It’s worth noting that GKC may also collect debts for other consumer-oriented industries.

Is Gold Key Credit legit or a scam?

Gold Key Credit is a legitimate company. However, part of their collection process may involve frequent communication attempts, such as phone calls, texts, or emails.

How can I remove Gold Key Credit from my credit report?

Gold Key Credit collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Gold Key Credit, Inc. (GKC) Contact Information


Gold Key Credit, Inc.
16070 Aviation Loop Dr.
Brooksville, FL 34604-6802

Mailing address:

Gold Key Credit, Inc.
PO Box 15670
Brooksville, FL 34604-0122

Phone number: (888) 717-9615 or (352) 848-0322

Should I contact or pay Gold Key Credit?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Gold Key Credit is to work with a credit repair professional. They help remove millions of negative items every year from companies like Gold Key Credit on behalf of their clients.

Will Gold Key Credit sue me or garnish my wages?

Gold Key Credit, as a debt collection agency, does have the legal right to sue you for non-payment of a debt. If they win a lawsuit against you, they may potentially garnish your wages, levy your bank account, or take other actions to collect the debt, depending on the specific laws in your jurisdiction.

However, it’s important to remember that lawsuits are typically the last resort for debt collectors because they can be costly and time-consuming. Before things escalate to that level, most debt collectors like Gold Key Credit will likely prefer to negotiate a payment plan or a debt settlement.

Gold Key Credit, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Gold Key Credit, Inc.

Gold Key Credit must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Gold Key Credit to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Gold Key Credit cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Gold Key Credit must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Gold Key Credit cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Gold Key Credit From Your Credit Report Today!

Credit Saint can help you dispute Gold Key Credit collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.