If Northstar Location Services is showing up on your credit report, it likely means there’s an unpaid debt they are trying to collect. Here’s what to know about this collection agency, your rights, and how to remove them from your credit report.
Who Is Northstar Location Services?
Northstar Location Services, LLC, also known as The Northstar Companies, is a debt collection agency based in Cheektowaga, New York. They collect unpaid debts for other businesses, including major banks and loan servicers.
If you have an unpaid account that’s been turned over to them, Northstar may appear as a collections account on your credit report, which can hurt your credit score.
Who Does Northstar Location Services Collect For?
Northstar Location Services collects debts for some of the largest financial companies in the country, including:
- Bank of America
- Barclays
- Discover
- Goldman Sachs
They also collect student loan debt for:
- Navient
- Sallie Mae
If you’ve fallen behind on credit card payments or student loans with these companies, your account may be placed with Northstar for collection.
Is Northstar Location Services Legitimate?
Yes, Northstar Location Services is a legitimate company. They are authorized to collect debts on behalf of their clients.
That being said, you should always verify the details before making payments. Even legitimate collection agencies can report incorrect information.
How to Remove Northstar Location Services From Your Credit Report
Collections accounts can damage your credit for up to seven years. But there are ways to take action:
- Dispute Errors: Review your credit report and dispute any incorrect or outdated information with the credit bureaus.
- Request Debt Validation: You can ask Northstar to validate the debt. They must provide proof the debt is yours and that the amount is correct.
- Negotiate a Pay-for-Delete: In some situations, you can settle the debt and request that the account be removed from your credit report. Always get any agreement in writing.
- Work With a Credit Repair Company: Credit repair professionals help people challenge questionable accounts and work to clean up their credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Northstar Location Services?
Before speaking with Northstar or making payments:
- Confirm that the debt is accurate and valid
- Request validation in writing
- Understand that making a payment could restart the statute of limitations
Many people prefer working with a credit repair service to handle these situations and avoid costly mistakes.
Can Northstar Location Services Sue You or Garnish Wages?
Yes, Northstar Location Services has the legal ability to sue you for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Levy your bank account
The process depends on your state’s laws. Lawsuits are typically a last resort, but ignoring collection notices increases your risk.
Northstar Location Services Complaints
Like many collection agencies, Northstar Location Services has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or aggressive collection tactics
- Failure to validate debts
If you believe your rights have been violated, file a complaint and keep records of all interactions.
Your Rights When Dealing With Northstar Location Services
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair practices:
- Northstar cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot harass, threaten, or use abusive language
- They must clearly state they are a debt collector attempting to collect a debt
- They cannot make false legal claims or threaten arrest
Knowing your rights helps you protect your credit and handle collections the right way.
Northstar Location Services Contact Information
Mailing Address:
Northstar Location Services, LLC
4285 Genesee Street
Cheektowaga, NY 14225
Phone Numbers:
(855) 211-4677
(866) 224-9822
Ready to Get Northstar Location Services Off Your Credit Report?
If Northstar Location Services is hurting your credit, you don’t have to face it alone. Credit Saint has helped thousands of clients challenge inaccurate accounts and improve their credit reports.
They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to get started today and take control of your credit.
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.
