If IC System is showing up on your credit report, there’s a good chance you’re dealing with a collections account. That can drag down your credit score and make it harder to get approved for loans or credit cards. The good news? You may be able to get it removed. Here’s how.
What Is IC System?
IC System, Inc. is a third-party debt collection agency based in St. Paul, Minnesota, with additional operations in North Dakota and Wisconsin. They work with companies to recover unpaid debts and are one of the larger players in the debt collection industry.
If you see IC System listed on your credit report, it means they’re trying to collect a debt—usually one that’s been charged off by the original creditor.
Who Does IC System Collect For?
IC System works across a wide range of industries. Their clients include:
- Healthcare and dental providers
- Government agencies
- Financial services and credit card issuers
- Communications and utility companies
- Small and medium-sized businesses
Basically, if you’ve missed a bill in any of these categories, IC System might be the one trying to collect.
Is IC System Legitimate?
Yes, IC System is a real and legally authorized debt collection agency. But just because a debt collector is legitimate doesn’t mean the information they report is always accurate. Errors happen all the time in collections, so it’s smart to verify everything before paying.
How to Remove IC System From Your Credit Report
A collection account can stay on your credit report for up to seven years—even if you pay it. But that doesn’t mean you’re stuck with it. Here are your options for removal:
1. Dispute Any Inaccuracies
Check your credit reports from all three credit bureaus. If anything looks off—wrong balance, account not yours, dates don’t match—file a dispute. You can do this directly with Experian, Equifax, or TransUnion.
2. Request Debt Validation
Send IC System a debt validation letter asking them to prove the debt is yours and accurate. They must respond within 30 days. If they can’t validate the debt, they’re legally required to stop collection efforts and remove it from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is valid, you can try negotiating a pay-for-delete. This is when you agree to pay the balance (or a portion of it) in exchange for IC System removing the account from your credit report. They’re not required to accept—but some agencies will, especially if you get it in writing.
4. Get Help From a Credit Repair Company
Professional credit repair companies know how to challenge inaccurate collections, negotiate removals, and manage communication with debt collectors. If you’re overwhelmed or unsure where to start, this might be worth considering.
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 IC System?
Before picking up the phone or sending money, confirm that the debt is yours and still legally collectible. Paying an old debt can restart the statute of limitations in some states, which may give the agency more time to sue.
If you’re planning to negotiate or dispute the account, do it in writing and keep records of everything.
Can IC System Sue You or Garnish Your Wages?
Yes, IC System can sue you—but it’s not their first move. Lawsuits cost time and money, so most collection agencies prefer to settle things without going to court. That said, if they do sue and win, they could potentially garnish your wages or levy your bank account depending on your state’s laws.
Common Complaints About IC System
Like many debt collectors, IC System has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Frequent phone calls—sometimes several a day
- Reaching out at work or odd hours
- Aggressive language or pressure tactics
- Reporting inaccurate information to credit bureaus
These practices can be frustrating, especially if you’re trying to get them off your report.
What to Do About Harassing Calls
IC System may call repeatedly, leave voicemails, or even reach out to your employer. While the law doesn’t limit how many calls they can make, it does protect you from harassment.
Under federal law, you can:
- Tell them to stop contacting you by sending a written cease and desist letter
- Report repeated or aggressive calls to the CFPB or your state attorney general
- Sue for damages if they violate your rights
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) sets clear rules for how debt collectors must behave. IC System cannot:
- Harass or threaten you
- Lie about who they are or what they can do
- Call excessively or use profane language
- Share your debt publicly
- Report inaccurate information to credit bureaus
You also have the right to request debt validation and dispute any false information they report.
IC System Contact Information
Here’s how to reach them if you need to request validation or negotiate a resolution:
Address:
IC System, Inc.
444 Highway 96E
St. Paul, MN 55127
Phone:
(651) 481-6467 or (800) 279-7951
Final Thoughts: Don’t Ignore Collections
Ignoring a collection account won’t make it disappear—and it could get worse. If IC System is on your credit report, take action sooner rather than later. Whether you dispute the debt, negotiate a settlement, or get professional help, there are steps you can take to clean up your report and move forward.
If you want expert help with disputing inaccurate items, companies like Credit Saint have helped thousands of people remove collection accounts like IC System. They even offer a 90-day money-back guarantee for added peace of mind.
You can get started by visiting their website or calling (855) 281-1510 for a free consultation.
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.
