If Security Credit Services, LLC—or their alternate name, EquiPro Investments—shows up on your credit report, it means a debt collector is trying to recover money you owe. Here’s how that affects your credit—and how to work toward getting it removed.
Who Is Security Credit Services, LLC?
Security Credit Services is a debt buyer and collection agency headquartered in Oxford, Mississippi, with additional operations in Atlanta, Georgia. Their business focuses on purchasing past-due debts from other companies and then working to collect the money.
If your account has been sold to Security Credit Services, their name may appear on your credit report as a collection account, which can lower your credit score.
Who Does Security Credit Services Collect For?
Security Credit Services buys and collects delinquent debt from:
- National banks
- Credit card companies
- Retailers
- Other financial institutions
They purchase these debts for a fraction of the original balance, then attempt to recover the full amount from consumers.
Is Security Credit Services a Scam?
Security Credit Services, LLC is a legitimate debt collection company. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Security Credit Services From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account doesn’t belong to you or contains incorrect details, dispute it with the credit bureaus.
- Request debt validation: You can ask Security Credit Services to prove the debt is yours and confirm the balance.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help review your credit report and dispute negative items.
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 Security Credit Services?
Before contacting them, make sure the debt is valid and still within your state’s statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further impact your credit.
Many people choose to work with credit repair experts to avoid mistakes when handling collection accounts.
Can Security Credit Services Sue or Garnish Wages?
Security Credit Services, LLC has the legal ability to sue for unpaid debts. If they take legal action and win a court judgment, they may be allowed to garnish wages or levy bank accounts, depending on your state’s laws.
However, lawsuits are typically a last resort. Most collection agencies prefer to resolve debts through settlements or payment plans before pursuing legal action.
Security Credit Services Contact Information
Address:
Security Credit Services, LLC
306 Enterprise Drive
Oxford, MS 38655
Mailing Address:
P.O. Box 1156
Oxford, MS 38655
Phone: (866) 699-7889
Complaints About Security Credit Services
Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Harassment or repeated phone calls
- Failure to verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Security Credit Services Collections
Dealing with collection accounts can feel overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
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.
