How to Remove Midwest Service Bureau From Your Credit Report

If Midwest Service Bureau, Inc. is showing up on your credit report, it usually means you have an unpaid debt that’s gone to collections. That can hurt your credit score—but it doesn’t have to stay that way.

Here’s what you need to know and how to handle it.

What Is Midwest Service Bureau?

Midwest Service Bureau, Inc. (MSB) is a debt collection agency based in Wichita, Kansas. They collect past-due accounts on behalf of creditors such as:

• Banks and credit unions
• Healthcare providers
• Utility companies

If MSB appears on your credit report, it means one of your past-due accounts has been handed over to them for collection.

Is Midwest Service Bureau a Legitimate Company?

Yes, Midwest Service Bureau is a real, licensed debt collector—not a scam. However, just because they’re legitimate doesn’t mean the debt they’re collecting is accurate. Credit reporting errors are common, so it’s important to double-check any debt they claim you owe before paying a dime.

How to Remove Midwest Service Bureau From Your Credit Report

A collections account can damage your credit score and stay on your report for up to seven years. But you have a few options to get it removed sooner:

1. Dispute Inaccurate Information

If you believe the debt isn’t yours, or the details are wrong, file a dispute with the credit bureaus (Equifax, Experian, and TransUnion). The bureaus are legally required to investigate and remove any information they can’t verify.

2. Request Debt Validation

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt. Send a debt validation letter to MSB asking them to prove:

• The debt is yours
• The amount is correct
• They’re authorized to collect it

If they can’t provide this information within 30 days, they’re not allowed to continue collecting—and the account should be removed from your credit report.

3. Try a Pay-for-Delete Agreement

If the debt is valid, and you’re willing to pay it, you can try negotiating a pay-for-delete deal. This means you agree to pay all or part of the balance in exchange for MSB removing the account from your credit report.

Get any agreement in writing before sending payment.

4. Work With a Credit Repair Company

If you’re not comfortable handling disputes or negotiations yourself, consider hiring a reputable credit repair company. They can review your credit reports, challenge inaccurate items, and negotiate with collectors on your behalf.

Should You Contact or Pay Midwest Service Bureau?

Don’t rush to pay MSB without verifying everything first. Here’s why:

• Paying a debt can restart the statute of limitations, making it easier for them to sue you.
• If the debt is past the legal time limit for collection (which varies by state), you might not be legally obligated to pay it.
• The debt could be inaccurate or even fraudulent.

Start by reviewing your credit report and requesting debt validation. If everything checks out, and you decide to pay, see if they’ll agree to delete the account from your report.

Can Midwest Service Bureau Sue or Garnish Wages?

Yes, Midwest Service Bureau can sue you over unpaid debt. If they win in court, they may be able to:

• Garnish your wages
• Freeze your bank account

But lawsuits are typically a last resort. Debt collectors usually try to collect through letters and phone calls before heading to court. That’s why it’s smart to respond early—before things escalate.

Complaints Against Midwest Service Bureau

Like many collection agencies, Midwest Service Bureau has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most issues involve:

• Harassment
• Inaccurate reporting
• Failing to verify debts

If you’re being mistreated, you can file a complaint with the CFPB or your state attorney general.

Your Rights When Dealing With Midwest Service Bureau

You’re protected by two important federal laws:

• The Fair Credit Reporting Act (FCRA)
• The Fair Debt Collection Practices Act (FDCPA)

These laws give you the right to:

• Dispute inaccurate information
• Request debt validation
• Be free from harassment, threats, or misleading tactics
• Receive written notice of the debt before being contacted further
• Avoid being contacted at inconvenient times or places

If MSB violates these rules, you can report them—and potentially sue.

Midwest Service Bureau Contact Information

Headquarters Address:
Midwest Service Bureau, Inc.
625 W Maple St.
Wichita, KS 67213

Mailing Address:
PO Box 3888
Wichita, KS 67201

Phone Numbers:
(800) 362-0272
(316) 263-1051

Need Help Removing Midwest Service Bureau From Your Credit Report?

Collections can be stressful—especially if you’re unsure how to move forward. A credit repair service can guide you through the process and help get negative marks removed.

Credit Saint has helped thousands of people clean up their credit by disputing inaccurate or outdated collection accounts. They also offer a 90-day money-back guarantee if you’re not satisfied.

Visit their website or call (855) 281-1510 to learn more.