Is MSCB Inc hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 remain on your credit report for up to seven years, regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with MSCB Inc

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • MSCB Inc may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • MSCB Inc must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • MSCB Inc cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove MSCB Inc From Your Credit Report Today!

Credit Saint can assist you in disputing MSCB Inc collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.