Systems & Services Technologies


Is Systems & Services Technologies hurting your credit score?

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Who is Systems & Services Technologies?

Systems & Services Technologies, Inc. (SST) is a debt collection agency specializing in loan servicing and payment processing. They are located in St. Joseph, Missouri. SST provides deficiency collections through NCO Financial Systems, their parent company.

SST’s involvement in loan recovery could result in their name appearing on your credit report as a collections account. This typically happens when you fail to pay a bill.

Who does Systems & Services Technologies collect for?

Systems & Services Technologies primarily operates in the field of consumer loan servicing. This involves managing the loans of consumers on behalf of the original lenders.

Is Systems & Services Technologies legit or a scam?

Systems & Services Technologies 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 Systems & Services Technologies from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Systems & Services Technologies (SST) Contact Information


Systems & Services Technologies, Inc.
4315 Pickett Rd
Saint Joseph, MO 64503-1600

Phone number: (866) 333-3819

Should I contact or pay Systems & Services Technologies?

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 Credit reports can contain errors or list debts that are no longer valid.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.

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

Will Systems & Services Technologies sue me or garnish my wages?

Systems & Services Technologies, Inc. (SST) is entitled to sue you to collect an unpaid debt. If they win a judgment in court, they could potentially garnish your wages depending on the laws in your specific state.

However, it’s important to remember that most agencies prefer to avoid legal action if possible because it’s costly and time-consuming. Typically, they’re more likely to negotiate a payment plan or settle the debt for a lesser amount.

Systems & Services Technologies 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, 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.

Your Rights When Dealing with Systems & Services Technologies

Systems & Services Technologies must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Systems & Services Technologies 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Systems & Services Technologies cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Systems & Services Technologies must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Systems & Services Technologies cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Systems & Services Technologies From Your Credit Report Today!

Credit Saint can help you dispute Systems & Services Technologies collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.