Northstar Location Services

Is Northstar Location Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information 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. Its role is to collect unpaid debts on behalf of other companies.

If you see Northstar listed on your credit report as a collections account, this means that they are trying to collect a debt that you owe.

Who does Northstar Location Services collect for?

Northstar Location Services collects debts for a variety of major credit issuers, including but not limited to Bank of America, Barclays, Discover, and Goldman Sachs. These are large, well-known financial institutions that issue credit cards and other types of loans to consumers.

In addition to collecting credit card debt, Northstar also collects student loan debt for companies such as Navient and Sallie Mae. These are two of the largest student loan servicers in the United States. If a borrower fails to make timely payments on their student loans, these companies may turn the debt over to Northstar for collection.

Is Northstar Location Services legit or a scam?

Despite the negative experiences some people may have with them, Northstar Location Services is a legitimate company. They are legally allowed to contact debtors in an attempt to collect unpaid debts. That being said, their practices can sometimes be aggressive and may feel like harassment to the people they are contacting.

How can I remove Northstar Location Services 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?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit reports. 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.

Northstar Location Services Contact Information


Northstar Location Services, LLC
4285 Genesee Street
Cheektowaga, NY 14225

Phone number: (855) 211-4677 or (866) 224-9822

Should I contact or pay Northstar Location Services?

It’s best to avoid speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will Northstar Location Services sue me or garnish my wages?

Northstar Location Services is legally entitled to sue you to recover the debt. However, whether they choose to do so often depends on the amount of the debt and your history of payment or nonpayment. Suing is a more drastic step, typically reserved for when other attempts to collect the debt have failed.

If a debt collector sues you and wins the lawsuit, they might be able to garnish your wages as a means of collecting the debt. However, the exact process and the extent to which they can do this depend on your state’s laws.

Northstar Location Services 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 a debt collector 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 Northstar Location Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Northstar Location Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency 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.
  • Northstar Location Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Northstar Location Services 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.
  • Northstar Location Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Northstar Location Services From Your Credit Report Today!

Lexington Law can assist you in disputing Northstar Location Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.