Interstate Credit Collections

Who is Interstate Credit Collections?

Interstate Credit Collections (ICC) is a debt collection agency based in Winston-Salem, North Carolina. They are in the business of recovering unpaid debts owed by individuals or businesses.

If you see ICC listed on your credit report, it usually means that there is an outstanding debt that has been assigned to them for collection.

Who does Interstate Credit Collections collect for?

Interstate Credit Collections is a full-service collection agency, which means they may handle debt recovery for various sectors. These could include industries like healthcare, retail, financial services, utilities, and more.

Is Interstate Credit Collections legit or a scam?

Interstate Credit Collections is a legitimate company. However, in their efforts to recover debts, they may engage in frequent communication with debtors, which can include repeated phone calls, text messages, and emails.

How can I remove Interstate Credit Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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.)

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.

Interstate Credit Collections Contact Information

Address:

Interstate Credit Collections
711 Coliseum Plaza Ct # B
Winston-Salem, NC 27106

Phone number: (336) 777-3555

Should I contact or pay Interstate Credit Collections?

Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Interstate Credit Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Interstate Credit Collections on behalf of their clients.

Will Interstate Credit Collections sue me or garnish my wages?

As a debt collection agency, Interstate Credit Collections does have the right to file a lawsuit against you if you fail to pay a debt. If they win the lawsuit, and depending on the laws in your jurisdiction, they may be able to garnish your wages or take other actions to recover the money you owe.

However, it’s important to note that suing a debtor is generally seen as a last resort by debt collectors, as it can be expensive and time-consuming. More often, they would prefer to work out a payment arrangement or negotiate a settlement.

Interstate Credit Collections 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 Interstate Credit Collections

Debt collectors must follow state and federal laws. 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 Interstate Credit Collections 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.
• Interstate Credit Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Interstate Credit Collections 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.
• Interstate Credit Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Interstate Credit Collections From Your Credit Report Today!

Credit Saint can help you dispute Interstate Credit Collections 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.