Seeing SCA Collections on your credit report? If so, your credit score could be taking a hit. Here’s what you need to know—and how to work toward getting it removed.
Who Is SCA Collections?
SCA Collections, Inc. is a third-party debt collection agency based in Greenville, North Carolina. Their job is to collect unpaid debts on behalf of healthcare providers and other organizations.
If they show up on your credit report, it typically means a medical bill or other account has been turned over to them for collection.
Who Does SCA Collections Work With?
SCA Collections focuses heavily on the medical industry. They partner with:
- Hospitals
- Clinics
- Physician groups
- Private healthcare providers
The debts they pursue can include anything from unpaid doctor visits to emergency room bills or surgical costs.
Is SCA Collections Legitimate?
Yes, SCA Collections is a legitimate debt collection agency. But even legitimate companies sometimes report inaccurate information, so it’s important to verify any debt they claim you owe before taking action.
How to Remove SCA Collections From Your Credit Report
A collection account can damage your credit score and remain on your credit report for up to seven years. But there are options to remove it:
- Dispute errors with the credit bureaus: If the account is inaccurate or doesn’t belong to you, file a dispute with the major credit bureaus.
- Request debt validation: You have the right to ask SCA Collections for written proof that the debt is valid and the amount is correct. If they can’t provide this, they must remove the account from your credit report.
- Negotiate a pay-for-delete: Some agencies will agree to remove the account from your credit report if you settle the debt. Always get the agreement in writing before sending payment.
- Hire a credit repair company: Professionals can help dispute collection accounts or negotiate removal, saving you time and hassle.
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 SCA Collections?
Before speaking with SCA Collections, make sure the debt is valid. Credit reports often contain mistakes, and paying a debt without verifying the details can restart the clock, keeping the negative item on your credit report even longer.
Many people prefer to work with a credit repair company to avoid dealing with debt collectors directly.
Can SCA Collections Sue or Garnish Wages?
Yes, SCA Collections has the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
That said, legal action is typically a last resort, as lawsuits are costly and time-consuming. Most collection agencies will attempt to resolve the debt outside of court first.
Complaints About SCA Collections
Like many debt collectors, SCA Collections has received consumer complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints involve:
- Incorrect information on credit reports
- Harassing phone calls
- Failure to verify debts
If your rights are being violated, you can file a formal complaint with the CFPB or BBB.
Your Rights When Dealing With SCA Collections
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give you protections when dealing with debt collectors. Your rights include:
- SCA Collections cannot report false or incomplete information on your credit report.
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot harass, threaten, or use abusive language.
- They must clearly state they are a debt collection agency in all communications.
- They cannot threaten arrest or take legal action they are not allowed to pursue.
SCA Collections Contact Information
Address:
SCA Collections, Inc.
300 East Arlington Boulevard, Suite 6A
Greenville, NC 27858
Mailing Address:
P.O. Box 876
Greenville, NC 27835
Phone: (800) 334-7713
Get Help Removing SCA Collections From Your Credit Report
Dealing with collection agencies like SCA Collections can be stressful—but you don’t have to handle it alone. Credit Saint has helped thousands of people remove inaccurate or outdated negative items from their credit reports.
With over 15 years of experience, they’ve helped clients improve their credit—and they even offer a 90-day money-back guarantee for peace of mind.
Want to learn more? Visit their website or call (855) 281-1510 for a free credit consultation.
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.
