Is MSCB Inc hurting your credit score?

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Who is MSCB Inc?

MSCB Inc, which also operates under the names Mid South Credit Bureaus, Inc., and Accounts Receivable Management Services, is a debt collection agency. Their headquarters are located in Paris, Tennessee.

They may appear on your credit report as a collection account if you have an unpaid bill.

Who does MSCB Inc collect for?

MSCB Inc provides debt collection services primarily for clients in the healthcare industry. These clients can range from small private medical practices to large hospitals and healthcare systems. The debts could be from various sources including unpaid patient balances after insurance reimbursements, co-pays, deductibles, or for services not covered by insurance.

Is MSCB Inc legit or a scam?

MSCB Inc is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove MSCB Inc Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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MSCB Inc Contact Information


1410 Industrial Park Road
Paris, TN 38242

Phone number: (800) 748-3074 or (731) 642-8454

Should I contact or pay MSCB Inc?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with MSCB Inc is to work with a credit repair professional. They help remove millions of negative items every year from companies like MSCB Inc on behalf of their clients.

Will MSCB Inc sue me or garnish my wages?

MSCB Inc does have the potential to sue you for unpaid debts. However, this action is typically considered as a last resort, following unsuccessful attempts at debt collection through other means such as phone calls, letters, or setting up payment plans.

If MSCB Inc decides to sue you and wins in court, they could receive a judgment. This may allow them to garnish your wages or levy your bank account. In some states, they might also be able to place a lien on your property.

MSCB Inc Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If MSCB Inc is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with MSCB Inc

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for MSCB Inc to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send MSCB Inc a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • MSCB Inc cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • MSCB Inc must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • MSCB Inc cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove MSCB Inc From Your Credit Report Today!

Credit Saint can help you dispute MSCB Inc collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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