Southern Oregon Credit Service


Is Southern Oregon Credit Service hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Southern Oregon Credit Services?

Southern Oregon Credit Service, Inc. (SOCS), which has rebranded to Collect Northwest, is a debt collection agency based in Medford, Oregon. They help businesses by collecting overdue payments.

If you see SOCS or Collect Northwest listed on your credit report as a collections account, it means you have an outstanding debt that the company is trying to collect.

Who does Southern Oregon Credit Service collect for?

Southern Oregon Credit Service caters to a wide variety of industries. They work with commercial businesses, educational institutions, financial firms, healthcare providers, municipal entities, property management companies, and retail businesses.

Is Southern Oregon Credit Service legit or a scam?

Southern Oregon Credit Service is a legitimate 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 Southern Oregon Credit Service 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Southern Oregon Credit Service Contact Information


Southern Oregon Credit Service, Inc.
2400 Poplar Dr.
Medford, OR 97504

Mailing address:

Southern Oregon Credit Service, Inc.
PO BOX 4070
Medford, OR 97501

Phone number: (541) 773-6238

Should I contact or pay Southern Oregon Credit Service?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Southern Oregon Credit Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southern Oregon Credit Services on behalf of their clients.

Will Southern Oregon Credit Service sue me or garnish my wages?

Southern Oregon Credit Service, Inc. (SOCS), now known as Collect Northwest, has the legal right to sue for unpaid debts. If they win the lawsuit, they may be granted a judgment that could potentially allow them to garnish your wages or levy your bank account, depending on the laws in your state or jurisdiction.

However, suing is typically seen as a last resort due to its cost and time-consuming nature. It’s more likely that SOCS would first try to negotiate a payment plan or settlement with you.

Southern Oregon Credit Service 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 Southern Oregon Credit Service, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices. In addition, it 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 Southern Oregon Credit Service 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.
  • Southern Oregon Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Southern Oregon Credit Service 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.
  • Southern Oregon Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Southern Oregon Credit Service From Your Credit Report Today!

Credit Saint can assist you in disputing Southern Oregon Credit Service 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.