If you’ve missed payments on a Kay Jewelers credit card, you could see them listed as a collections account on your credit report. A collections account can damage your credit score and make it harder to get approved for new credit.
Here’s what you need to know about Kay Jewelers collections and how to remove them from your credit report.
Who Is Kay Jewelers?
Kay Jewelers is one of the largest jewelry retailers in the country and part of Signet Jewelers, which owns several major jewelry brands. Many Kay customers finance their purchases through a Kay Jewelers credit card, which is issued by Comenity Bank.
If your Kay credit card goes unpaid, the account may end up in collections—either with Kay directly or a third-party collection agency—showing up on your credit report.
How to Remove Kay Jewelers Collections from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to potentially remove them sooner:
- Dispute inaccurate information: If the collection account is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You can ask for written proof that the debt is legitimate. If they can’t provide it, they must stop reporting it.
- Negotiate a pay-for-delete: Some collection agencies or creditors will agree to remove the account from your credit report in exchange for payment. Always get the agreement in writing.
- Work with a credit repair professional: Experts can help dispute negative items and increase your chances of removal.
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 Kay Jewelers Collections?
Before paying or contacting a collection agency:
- Confirm the debt belongs to you
- Make sure the balance is accurate
- Understand the potential impact of restarting the reporting timeline
If your account is still with Kay Jewelers and hasn’t been sent to a third-party collection agency, contact Kay’s customer service to see if they’ll work out a payment plan or settlement. Once an account is sent to collections, negotiating with the collector directly may be necessary.
Many people work with credit repair professionals to avoid mistakes that can make the situation worse.
Can Kay Jewelers Sue You or Garnish Your Wages?
Yes, Kay Jewelers or a third-party collector has the legal right to sue for unpaid debts. If they sue and win:
- They may garnish your wages
- They could levy your bank accounts
Lawsuits are usually a last resort, but they can happen if the debt remains unpaid. Wage garnishment laws vary by state, and some types of income are protected from garnishment.
Kay Jewelers Contact Information
Address:
Kay Jewelers
375 Ghent Road
Akron, OH 44333
Phone Numbers:
(800) 527-8029
(800) 877-8194
Kay Jewelers Collections Complaints
Like many creditors and collection agencies, Kay Jewelers and their third-party collectors have received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or excessive calls
- Failure to verify debts
If you experience these issues, you can file a formal complaint and dispute the item on your credit report.
Know Your Rights with Kay Jewelers Collections
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect consumers from unfair collection tactics:
- You can dispute incorrect information on your credit report
- You have the right to request written debt validation
- Debt collectors cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot threaten legal actions they aren’t authorized to take
Knowing your rights can help you handle debt collectors more confidently.
Get Kay Jewelers Collections Removed from Your Credit Report
If Kay Jewelers collections are hurting your credit and you need help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to take the next step? Visit their website or call (855) 281-1510 to get started.
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.
