If KLS Financial Services has shown up on your credit report, it likely means a collection account has been added. Collection accounts can lower your credit score and stay on your credit report for up to seven years, so it’s important to address the issue quickly.
Here’s what to know about KLS Financial Services and how to remove their account from your credit report.
Who Is KLS Financial Services?
KLS Financial Services is a debt collection agency based in Morrisville, North Carolina. They collect unpaid debts on behalf of businesses in various industries.
If you see their name listed on your credit report, it means an unpaid account has been turned over to them for collection.
Who Does KLS Financial Services Collect For?
KLS Financial Services handles both commercial and medical collections. Their clients may include:
- Manufacturers and Wholesalers
- Retail Businesses
- Telecommunications and Transportation Companies
- Healthcare Providers for Medical Debt
If you’ve fallen behind on payments in one of these sectors, the original company may have hired KLS to collect the debt.
Is KLS Financial Services Legitimate?
Yes, KLS Financial Services is a legitimate debt collection agency. They are authorized to collect debts for their clients. However, just because the company is real doesn’t mean the debt is always accurate. It’s important to verify the debt before making any payments.
How to Remove KLS Financial Services from Your Credit Report
If you want to get KLS Financial Services off your credit report, here are the steps to follow:
- Dispute the Account: Review your credit report for any incorrect details. If the account is inaccurate or outdated, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask KLS Financial Services for proof that the debt belongs to you and that the amount is correct. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to arrange a pay-for-delete agreement, where you agree to pay the debt in exchange for having the account removed from your credit report. Always get this agreement in writing.
- Work with a Credit Repair Company: If you prefer professional help, a reputable credit repair company can assist with challenging negative accounts and improving your credit.
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 KLS Financial Services?
Before calling or paying KLS Financial Services, make sure the debt is valid, accurate, and within the statute of limitations. Making a payment can sometimes reset the clock on an old debt, which may hurt your credit.
Many people prefer to work with a credit repair professional to handle communication with collection agencies and avoid common mistakes.
Can KLS Financial Services Sue You or Garnish Your Wages?
Debt collectors like KLS Financial Services can sue to recover unpaid debts. If they win a lawsuit, they may be allowed to garnish wages, levy bank accounts, or pursue other legal actions based on state laws.
Lawsuits are usually a last resort, as they cost time and money. Collection agencies often attempt to negotiate a payment plan or settlement first.
KLS Financial Services Complaints
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to provide debt validation when requested
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with KLS Financial Services
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), including:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- KLS Financial Services must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or jail for unpaid debts.
Understanding your rights can help protect you when dealing with debt collectors.
KLS Financial Services Contact Information
Address:
KLS Financial Services
991 Aviation Parkway, Suite 500
Morrisville, NC 27560
Phone Number:
(833) 447-3557
It’s always a good idea to communicate in writing and keep copies of all correspondence.
Remove KLS Financial Services from Your Credit Report Today
Struggling with collection accounts like KLS Financial Services? A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.

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.