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 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.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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
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?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Interstate Credit Collections
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Interstate Credit Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Interstate Credit Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Interstate Credit Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Interstate Credit Collections From Your Credit Report Today!
Lexington Law can assist you in disputing Interstate Credit Collections accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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