How to Remove SCA Collections From Your Credit Report

Who is SCA Collections?

SCA Collections, Inc. is a debt collection agency based in Greenville, North Carolina. Their primary role is to recover unpaid debts on behalf of their clients.

If you have an outstanding bill that has been sent to collections, you might see SCA Collections listed on your credit report as a collections account.

Who does SCA Collections collect for?

SCA Collections specializes in providing accounts receivable services and debt recovery for the medical industry. They primarily work with healthcare providers, such as hospitals, clinics, and private practices, to collect unpaid medical bills. These can range from routine check-ups and emergency room visits to major surgeries.

Is SCA Collections legit or a scam?

SCA Collections is a legitimate debt collection 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 SCA Collections from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

SCA Collections, Inc. Contact Information

Address:

SCA Collections, Inc.
5043, 300 East Arlington Boulevard Suite 6A
Greenville, NC 27858

Mailing address:

SCA Collections, Inc.
P.O. Box 876
Greenville, NC 27835

Phone number: (800) 334-7713

Should I contact or pay SCA Collections?

It’s best to avoid speaking to a debt collection company 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.

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

Will SCA Collections sue me or garnish my wages?

SCA Collections, Inc. does have the legal authority to sue you for an unpaid debt. If they win the lawsuit, they may be granted a judgment by the court, which could lead to wage garnishment, a lien on your property, or a levy on your bank account. However, this is typically a last resort for debt collectors, as the legal process can be lengthy and costly.

SCA Collections, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 SCA Collections, 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 SCA Collections, Inc. 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. They have 30 days to prove the debt is yours and the amount is accurate.
• SCA Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• SCA Collections 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.
• SCA Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove SCA Collections From Your Credit Report Today!

Credit Saint offers assistance with disputing SCA collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.