Who is SCA Credit Services?
SCA Credit Services, Inc. is a debt collection agency located in Roanoke, Virginia. Their primary responsibility is to manage outstanding debts that individuals owe to various businesses.
If SCA Credit Services appears on your credit report as a collections account, it generally means that they have been assigned or have purchased a debt that you allegedly owe from an original creditor. This typically happens when an individual has defaulted on a payment or bill.
Who does SCA Credit Services collect for?
SCA Credit Services primarily focuses on collecting debts for the healthcare sector. They work with healthcare providers and hospitals to manage and recover outstanding medical bills.
Is SCA Credit Services legit or a scam?
SCA Credit Services is a legitimate collection agency. 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 Credit Services 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.
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SCA Credit Services, Inc. Contact Information
Address:
SCA Credit Services, Inc.
1502 Williamson Rd NE, Suite 100
Roanoke, VA 24012
Mailing address:
SCA Credit Services, Inc.
PO Box 824584
Philadelphia, PA 19182
Phone number: (877) 452-9004 or (540) 983-0176
Should I contact or pay SCA Credit Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with SCA Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like SCA Credit Services on behalf of their clients.
Will SCA Credit Services sue me or garnish my wages?
SCA Credit Services, Inc. does have the legal right to sue you in court for an unpaid debt. If the debt collector chooses to pursue a lawsuit and the court judgment is in their favor, they could potentially obtain a garnishment order against your wages or bank account, in accordance with your state’s laws.
However, legal action is usually considered a last resort in the debt collection process. Prior to this, debt collectors often attempt to negotiate payment plans or settlements with the debtor.
SCA Credit Services, 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 by a debt collector, 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.
Remove SCA Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing SCA 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.
