If Midwest Fidelity Services is showing up on your credit report, it usually means they’ve been assigned to collect an unpaid debt. These collection accounts can damage your credit score and stay on your report for years. Here’s what you should know and how to handle them.
Who Is Midwest Fidelity Services, LLC?
Midwest Fidelity Services, LLC is a licensed debt collection agency based in Ottawa, Kansas. They recover unpaid debts for businesses across different industries. If they appear on your credit report, it likely means an unpaid debt has been sent to them for collection.
Who Does Midwest Fidelity Services Collect For?
Midwest Fidelity Services focuses on collecting debts for businesses in the medical, dental, and commercial sectors. This includes:
- Unpaid medical bills
- Overdue dental expenses
- Outstanding commercial invoices
Once the original creditor transfers the debt, Midwest Fidelity Services takes over collection efforts and often reports the account to the credit bureaus.
Is Midwest Fidelity Services a Legitimate Company?
Yes, Midwest Fidelity Services is a legitimate debt collection agency. But even with reputable agencies, mistakes can happen. Always verify any debt they claim you owe before making payments or agreeing to repayment terms.
How to Remove Midwest Fidelity Services from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you don’t have to wait that long to take action:
- Dispute the Account: If the information is inaccurate, file a dispute with the credit bureaus. They must investigate and correct any errors.
- Request Debt Validation: You have the right to ask for proof that the debt is yours and that the amount is correct. If they can’t provide it, they must stop collection efforts.
- Negotiate a Pay-for-Delete Deal: Sometimes, you can offer payment in exchange for having the account removed from your credit report. Not all companies agree to this, but it’s worth asking.
- Hire a Credit Repair Specialist: Experts can help challenge collection accounts and work to remove them from your credit report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Midwest Fidelity Services?
Before making any payments, confirm the debt is valid, accurate, and still collectible. Paying an old debt can restart the statute of limitations in some cases, making the debt legally enforceable again.
If you’re unsure how to proceed, working with a credit repair company can help you explore your options and protect your credit.
Can Midwest Fidelity Services Sue or Garnish Your Wages?
Midwest Fidelity Services has the legal right to sue for unpaid debts. If they win a judgment against you in court, they could garnish your wages or take other collection actions. However, lawsuits are usually a last resort after other attempts to collect have failed.
Complaints Against Midwest Fidelity Services
Like many collection agencies, Midwest Fidelity Services has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting incorrect information
- Failing to verify debts
- Aggressive collection tactics
If you experience these issues, you have the right to dispute the account or file a complaint.
Your Rights When Dealing with Midwest Fidelity Services
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair treatment by debt collectors. Your rights include:
- Midwest Fidelity Services cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot threaten, harass, or use abusive language.
- They must clearly state they are a debt collection agency.
- They cannot threaten arrest or legal action they cannot take.
Always stand up for your rights and demand fair treatment.
Midwest Fidelity Services Contact Information
Here’s how to reach them:
Midwest Fidelity Services, LLC
103 S Main St
Ottawa, KS 66067
Phone: (844) 343-4589
How Credit Saint Can Help
Struggling with collections from Midwest Fidelity Services? Credit Saint can help challenge inaccurate accounts and clean up your credit report. They’ve helped thousands of clients address negative items, and they even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 for a free credit consultation and find out how they can help you improve your credit today.
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.
