Who is IC System?
IC System, Inc. is a debt collection agency located in St. Paul, Minnesota. They provide accounts receivable management out of offices in Minnesota, North Dakota, and Wisconsin.
Even though IC System shows up on your credit report they are often representing a client who believes that you owe them money. These clients include industries such as health and dental, small and medium businesses, communications companies, utility companies, financial services, and government organizations.
You may see IC System listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.
IC System Collections
IC System collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have it removed before 7 years and you may not even have to pay it.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
IC System Contact Information
While they have call centers in multiple states, its main offices are in Minnesota. You can use the following information to contact them.
Address:
444 Highway 96E
St. Paul, MN 55127
Phone Number: (651) 481-6467 or (800) 279-7951
Website: https://www.icsystem.com
Should I contact or pay IC System?
Nothing good can come from contacting a collection agency. And making payments on the debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.
The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like IC System for millions of clients nationwide.
And they can help you too.
IC System Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
Complaints of their collection efforts range from receiving six to ten phone calls per day to tactics such as skip tracing. Needless to say, it may not be easy to have them removed from your credit report.
Reporting you to three major credit bureaus is only one way that IC System collection agency will use to attempt to collect a debt. Other measures include sending direct mail, contacting you by phone, or referring your case to an attorney.
Harassing Phone Calls from IC System
IC System may call you, sometimes several times a day. These calls, often automated robocalls, continue until you answer the phone.
IC Systems may also leave you voicemail messages several times a week. Federal law does not specifically limit the number of phone calls that they can make, only that they may not harass you.
IC System tells their customers that these phone calls, attempting to collect on a debt, can go on for up to two years. They may even attempt to reach you by calling you at your place of employment, calling you at work attempting to shame you into complying with them.
Knowing Your Rights
In March of 1978, Congress passed the Fair Debt Collection Practices Act (FDCPA) to protect consumers from abusive and unfair debt collection practices. These and other laws can protect you from an overzealous collection agency in many ways.
- They prohibit abusive, harassing practices and threats
- They limit the time of day they can call you to between 8 a.m. and 9 p.m. in your time zone
- They prohibit the use of profanity and intimidation
- If notified verbally or in writing, that you may not receive calls at work, they may not contact you at your place of employment
- They must prove to you the validity of the debt if you dispute it
- They cannot threaten to have you arrested if you do not pay the debt
- They cannot send letters that appear to be from a government agency or a court
- They cannot threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat
Will IC System sue me?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the debt and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with IC System again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
How IC System Can Affect Your Credit
The three major credit bureaus, Experian, Equifax, and TransUnion, issue credit scores based on your history. This information can dramatically affect your ability to buy a house, qualify for a credit card or loan, rent an apartment, or even get a job.
If IC Systems has reported a delinquency to any of these credit reporting agencies, it can negatively affect your credit score. You may have trouble qualifying for financing, and even if you do, you’ll likely be subject to higher interest rates and lower credit lines. That is unless you are able to remove IC System from your credit report.
Can IC System collections be removed from my credit report?
Lexington Law specializes in disputing IC System collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.