Southern Credit Adjusters on Your Credit Report: What to Know

Southern Credit Adjusters, Inc. has collected debts for hospitals, physicians, schools, retailers, and other businesses from Rocky Mount, North Carolina since 1981, contacting more than 30,000 consumers per day across the state and beyond.

A documented BBB complaint describes a consumer who paid their debt by phone after a representative promised removal from their credit report within 30 to 45 days. A different representative later confirmed they do not delete accounts. This guide covers who they are and how to respond.

Who Is Southern Credit Adjusters?

Southern Credit Adjusters, Inc. is a third-party debt collection agency founded in 1981 and not accredited by the BBB. They collect for medical providers, schools, retailers, manufacturers, property managers, telecom companies, and professional services firms.

North Carolina has a 3-year statute of limitations on open accounts including medical debt, and medical debt CFPB rules apply to every healthcare account they report.

Pay-for-Delete Promises That Were Not Honored

A documented BBB complaint describes a consumer who called Southern Credit Adjusters to pay a debt by phone. The representative told them the account would be removed from their credit report within 30 to 45 days.

When the consumer called back to request a deletion letter, a second representative told them Southern Credit Adjusters does not delete accounts from credit reports and the account would instead show as Paid in Full with a $0 balance.

The consumer stated they were lied to and asked for a refund since the promised removal was not possible. Southern Credit Adjusters responded that they would report the account as Paid in Full in compliance with credit bureau regulations.

Any promise about credit report deletion must be in writing before you make a payment. A verbal deletion promise from one representative carries no weight when a different representative confirms company policy does not allow it.

North Carolina’s Stronger State Protections

Southern Credit Adjusters operates under both the federal FDCPA and the North Carolina Collection Agency Act. Violations of the NC Collection Agency Act also constitute violations of the NC Unfair and Deceptive Trade Practices Act, which allows consumers to sue for $500 to $4,000 per violation in state court. This is significantly higher than the federal FDCPA’s $1,000 statutory cap.

North Carolina consumers can file complaints with the NC Attorney General’s Consumer Protection Division at (919) 716-6000 in addition to the CFPB.

False Statements and Threatening Illegal Actions

Documented FDCPA complaint categories against Southern Credit Adjusters include making false statements and threatening actions that cannot legally be taken. The documented BBB complaint about the credit deletion promise fits the false statements category directly.

If a Southern Credit Adjusters representative has made a specific promise about account deletion, credit reporting, legal action, or payment terms that was not honored, document the date, time, representative name if provided, and the exact promise made.

Medical Debt Reporting Rules Apply

Southern Credit Adjusters collects for hospitals and physicians. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported.

North Carolina’s 3-year statute of limitations on open accounts is one of the shorter limits in the country. Confirm the date of last payment before engaging on any older account.

What Southern Credit Adjusters Cannot Do Under Federal and NC Law

• Make verbal promises about credit report deletion and not honor them: A documented BBB complaint. Get all deletion promises in writing before paying.
• Make false statements about what will happen after payment: A documented FDCPA complaint category against SCA.
• Threaten actions they cannot legally take: A documented FDCPA complaint category. Any specific threat should be documented with date, time, and exact language.
• Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original creditor’s name, the account type, the service date for any medical account, and the balance at referral. For medical accounts, request the itemized bill and your insurer’s explanation of benefits.

How to Find SCA on Your Credit Report

Check your credit reports for “Southern Credit Adjusters” and “SCA.” Confirm the original creditor is identified and the account type matches your history. For any medical entry, verify the balance exceeds $500 and the account is at least one year past due.

Your Options Before Paying or Responding

• Get any deletion or settlement promise in writing before paying: The documented complaint shows a verbal deletion promise that was not honored. Written confirmation is the only enforceable form.
• Dispute medical entries under $500 or less than one year old immediately: CFPB rules make both disputable without waiting for SCA to respond.
• File with the NC AG in addition to CFPB: The NC Unfair and Deceptive Trade Practices Act allows $500 to $4,000 per violation in state court, significantly more than the federal FDCPA cap.
• Confirm the statute of limitations before engaging on older accounts: North Carolina’s 3-year limit on open accounts is shorter than most states.

How to Contact Southern Credit Adjusters

• Address: Southern Credit Adjusters, Inc., 2420 Professional Drive, Suite A, Rocky Mount, NC 27804
• Mailing address: P.O. Box 2764, Rocky Mount, NC 27802
• Phone: (252) 977-0125 or (866) 851-6377

Bottom Line

Southern Credit Adjusters has operated since 1981 and collects for a broad range of clients across North Carolina and beyond. Their most documented consumer issue is a representative promising credit report deletion after payment, then a second representative confirming the company does not delete accounts.

Get any deletion promise in writing before sending payment. North Carolina’s state law provides $500 to $4,000 per violation in damages, significantly stronger than the federal FDCPA’s $1,000 cap.