If SCA Credit Services has shown up on your credit report, your credit score could be affected. Here’s what to know about who they are, what they collect, and how to remove their account from your credit report.
Who Is SCA Credit Services?
SCA Credit Services, Inc. is a debt collection agency based in Roanoke, Virginia. They collect unpaid debts on behalf of healthcare providers and other businesses.
If their name appears on your credit report, it means they are trying to collect a debt you haven’t paid.
What Types of Debts Does SCA Credit Services Collect?
SCA Credit Services focuses on collecting medical debts. They work with:
- Hospitals
- Clinics
- Other healthcare providers
If you’ve fallen behind on medical bills, they may be the agency contacting you or reporting to the credit bureaus.
Is SCA Credit Services a Legitimate Company?
Yes, SCA Credit Services is a real debt collection agency. They are legally allowed to collect debts for their clients.
Even so, you should always verify the debt before making payments. Credit reports can contain errors, and not every debt is valid.
How to Remove SCA Credit Services From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But you may be able to remove them sooner by taking the right steps:
- Dispute inaccurate information – If the debt isn’t yours or is reported incorrectly, file a dispute with the credit bureaus.
- Request debt validation – You can ask SCA Credit Services to provide proof that the debt belongs to you.
- Negotiate a pay-for-delete – Some agencies may agree to remove the account from your credit report if you settle the debt.
- Work with a credit repair company – Experts can help challenge negative accounts and guide you through the process.
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 Credit Services?
Before making contact or payments, confirm the debt is accurate and legally enforceable. Some debts may be incorrect or past the statute of limitations.
Things to keep in mind:
- Making a payment can restart how long the debt stays on your credit report.
- You can request written proof of the debt before paying.
- Credit repair companies can help manage the process and avoid common mistakes.
Can SCA Credit Services Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they win in court, they may be granted a judgment, which could lead to:
- Wage garnishment
- Bank account levies
- Property liens
The actions they can take depend on state laws. Most collection agencies prefer to work out a payment plan rather than pursue legal action.
SCA Credit Services Contact Information
Roanoke, Virginia Office:
SCA Credit Services, Inc.
1502 Williamson Road NE, Suite 100
Roanoke, VA 24012
Mailing Address:
SCA Credit Services, Inc.
P.O. Box 824584
Philadelphia, PA 19182
Phone Numbers:
(877) 452-9004
(540) 983-0176
Complaints About SCA Credit Services
Many collection agencies receive complaints, and SCA Credit Services is no exception. Common issues reported to the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to provide proof of debts
If you experience these problems, you can file a complaint and protect your rights.
Your Rights When Dealing With SCA Credit Services
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair collection tactics:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They cannot harass you, repeatedly call, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to manage collection accounts.
Remove SCA Credit Services From Your Credit Report Today
If dealing with collection accounts feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping clients challenge negative credit entries, including accounts from SCA Credit Services.
They even offer a 90-day money-back guarantee for extra peace of mind.
Call (855) 281-1510 or visit their website to learn more.
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.
