Who is Security Credit Services?
Security Credit Services, LLC, also known as EquiPro Investments, is a debt collection agency with its headquarters in Oxford, Mississippi, and an additional office in Atlanta, Georgia. The firm aims to recoup outstanding debts on behalf of their clients.
If Security Credit Services, LLC, or EquiPro Investments appears on your credit report as a collections account, it indicates that they are attempting to recover a debt you owe. This usually occurs when a bill has been unpaid for an extended period.
Who does Security Credit Services collect for?
Security Credit Services is a debt buyer who specializes in buying delinquent and charged off debts from banks, credit card issuers, retailers, and other financial institutions for pennies on the dollar.
Is Security Credit Services legit or a scam?
Security Credit Services 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 Security Credit 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.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Security Credit Services, LLC Contact Information
Security Credit Services, LLC
306 Enterprise Dr.
Oxford, MS 38655
Security Credit Services, LLC
PO Box 1156
Oxford, MS 38655
Phone number: (866) 699-7889
Should I contact or pay Security Credit Services?
It’s best to avoid speaking to a 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 Security Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Security Credit Services on behalf of their clients.
Will Security Credit Services sue me or garnish my wages?
As a debt collection agency, Security Credit Services, LLC has the ability to pursue a lawsuit against debtors who fail to repay their debt. This action is typically taken when other methods of debt recovery, such as phone calls, letters, or payment plans, have failed.
If they decide to sue and the court rules in their favor, the judgment could potentially allow them to garnish your wages or levy your bank accounts, depending on the laws within your state. However, lawsuits are generally considered a last resort due to the cost, time, and effort involved. Most debt collection agencies prefer to work out a repayment plan with the debtor before moving towards legal action.
Security Credit Services, LLC 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 Security Credit 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 Security Credit 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.
- Security Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Security Credit 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.
- Security Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Security Credit Services From Your Credit Report Today!
Credit Saint can assist you in disputing Security Credit Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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