Seeing Kings Credit Services on your credit report can be stressful—especially if you’re not sure why it’s there. Here’s what you need to know about who they are, why they might be contacting you, and how to get them removed from your credit report.
What Is Kings Credit Services?
Kings Credit Services (KCS), also known as Medical Billing and Accounts Receivable Management, is a third-party debt collection agency based in Hanford, California. If they’re showing up on your credit report, it usually means a creditor has sent your unpaid debt to them for collection.
Who Does Kings Credit Services Collect For?
While the name suggests a focus on medical bills, Kings Credit Services collects on behalf of many types of businesses. Their clients include original creditors that haven’t been able to recover money owed from consumers. These could be hospitals, clinics, or even service providers in other industries.
Is Kings Credit Services a Legitimate Company?
Yes, Kings Credit Services is a real debt collection agency—not a scam. That said, their collection efforts may include persistent phone calls, emails, and letters, which can feel aggressive or overwhelming.
Can You Remove Kings Credit Services From Your Credit Report?
A collection account can stay on your credit report for up to seven years—even if you pay it. But there are ways to get it removed sooner:
- Dispute inaccurate information – If you believe the debt isn’t yours or the details are wrong, file a dispute with the credit bureaus (Experian, TransUnion, and Equifax).
- Request debt validation – Send Kings Credit Services a written request asking them to prove the debt is valid. If they can’t verify it, they must remove it.
- Negotiate a pay-for-delete – In some cases, you may be able to negotiate payment in exchange for removal of the account from your credit report.
- Hire a credit repair company – Professionals can help you navigate disputes, errors, and negotiations with collection agencies.
Ready to Fix Your Credit? Start Here.
Answer a few simple questions and get a free step-by-step plan to rebuild your credit.
Should You Pay Kings Credit Services?
Don’t rush to pay right away. First, verify that the debt is yours and still legally collectible. Paying off an old debt can sometimes reset the statute of limitations, making it easier for collectors to sue.
If you decide to pay, try negotiating a pay-for-delete agreement in writing. This gives you the best chance at having the account removed from your report.
What If Kings Credit Services Takes Legal Action?
Debt collectors can sue you to recover unpaid balances. If they win in court, they could garnish your wages or place a lien on your property. But lawsuits are usually a last resort.
You’ll typically receive plenty of warnings before it gets that far. And if you’re being sued, the collector has to prove that the debt is valid and that you’re legally responsible for it.
Common Complaints About Kings Credit Services
Like many collection agencies, Kings Credit Services has received complaints with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB). Most complaints involve:
- Incorrect debts
- Failure to verify debts
- Aggressive or harassing behavior
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Know Your Rights Under Federal Law
You’re protected by two major federal laws:
- The Fair Credit Reporting Act (FCRA) – Gives you the right to dispute inaccurate credit information.
- The Fair Debt Collection Practices Act (FDCPA) – Protects you from harassment and requires debt collectors to treat you fairly.
Here are a few things Kings Credit Services is not allowed to do:
- Report inaccurate information
- Call repeatedly or harass you
- Use abusive or threatening language
- Mislead you about who they are
- Threaten arrest or jail time
You also have the right to request written proof that the debt is legitimate. They must respond within 30 days.
Kings Credit Services Contact Information
Mailing Address:
Kings Credit Services
510 N. Douty St.
Hanford, CA 93230
Phone Number:
(800) 366-0950
Need Help Removing Kings Credit Services?
If handling collections feels overwhelming, a credit repair service can make the process easier. Credit Saint has helped thousands of people dispute inaccurate or unfair accounts—including those from Kings Credit Services—and they back their work with a 90-day money-back guarantee if they don’t deliver.
They’ll deal with the credit bureaus so you don’t have to. 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.