If MSCB Inc has appeared on your credit report, it means they’re trying to collect a debt tied to your name. Here’s what to know about who they are, how they affect your credit, and what steps you can take to remove them.
Who Is MSCB Inc?
MSCB Inc, also known as Mid South Credit Bureaus, Inc. or Accounts Receivable Management Services, is a debt collection agency based in Paris, Tennessee. They collect unpaid debts on behalf of other businesses.
If you see MSCB Inc listed on your credit report, it usually means an unpaid bill has been sent to collections.
Who Does MSCB Inc Collect For?
MSCB Inc primarily works with clients in the healthcare industry. Their collections can include:
- Unpaid balances after insurance payments
- Co-pays
- Deductibles
- Medical bills for services not covered by insurance
They collect for both small medical offices and large healthcare systems.
Is MSCB Inc Legit?
Yes, MSCB Inc is a legitimate debt collection agency. However, that doesn’t mean every account they handle is accurate. Always verify the debt before making any payments.
How to Remove MSCB Inc From Your Credit Report
A collection account can hurt your credit for up to seven years. If you want to remove it, here are your options:
- Dispute Inaccurate Information: Review your credit report for errors. If you find incorrect details, file a dispute with the credit bureaus.
- Request Debt Validation: You can ask MSCB Inc to provide written proof that the debt belongs to you and that the amount is correct.
- Negotiate a Pay-for-Delete: Some collectors will agree to remove the account if you pay the debt. Always get the agreement in writing before sending payment.
- Work With a Credit Repair Company: Credit repair professionals can help challenge inaccurate or questionable items on your report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay MSCB Inc?
Before reaching out to MSCB Inc, make sure the debt is valid and still within the legal time limit for collection. Some debts are past the statute of limitations.
Making a payment could also restart the clock, which extends the time they can pursue legal action or report the account to the credit bureaus.
Many people prefer to work with a credit repair service to handle these situations and avoid dealing with collectors directly.
Can MSCB Inc Sue You or Garnish Your Wages?
Yes, MSCB Inc has the legal ability to sue for unpaid debts. If they file a lawsuit and win, they may be allowed to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property (depending on state laws)
Lawsuits are usually a last resort for collectors due to the costs and time involved. Most agencies prefer to negotiate a payment plan or settlement first.
Complaints About MSCB Inc
MSCB Inc has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information on credit reports
- Harassing phone calls or letters
- Refusing to verify debts when requested
If you believe your rights are being violated or you are experiencing harassment, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With MSCB Inc
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from abusive collection practices. Your rights include:
- Debt collectors cannot report false or incomplete information
- You can request written proof of the debt
- They cannot harass, threaten, or use offensive language
- They must clearly identify themselves as a debt collection agency
- They cannot threaten arrest or jail for unpaid debts
MSCB Inc Contact Information
Address:
MSCB Inc
1410 Industrial Park Road
Paris, TN 38242
Phone Numbers:
(800) 748-3074
(731) 642-8454
Want MSCB Inc Removed From Your Credit Report?
Dealing with collection accounts can feel overwhelming, but you don’t have to do it alone. Credit Saint has helped thousands of people challenge negative items and work toward better credit.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started.
Call (855) 281-1510 or visit their website to learn how they can help.
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.
