If Systems & Services Technologies is showing up on your credit report, you’re probably wondering what it means and how to deal with it. Let’s break it down so you can take control of your credit.
Who Is Systems & Services Technologies?
Systems & Services Technologies, Inc. (SST) is a legitimate debt collection agency based in St. Joseph, Missouri. They specialize in loan servicing and payment processing, often working to collect unpaid debts for lenders. SST operates as part of NCO Financial Systems, their parent company.
If you’ve missed payments on a loan, SST may show up on your credit report as a collections account.
Who Does Systems & Services Technologies Collect For?
SST primarily handles consumer loan accounts. They work with lenders to manage loans and recover money from borrowers who have fallen behind.
If you see their name on your credit report, it likely relates to a loan that went unpaid.
Is Systems & Services Technologies a Scam?
No, SST is not a scam. They are a real company authorized to collect debts on behalf of lenders. That said, never assume a debt is valid without verifying it. Mistakes happen, and credit reports often contain inaccurate information.
How to Remove Systems & Services Technologies From Your Credit Report
Collections can lower your credit score and stay on your credit report for up to seven years. But you do have options to get them removed:
- Dispute Errors: Start by checking your credit report for mistakes. If the account is inaccurate or outdated, dispute it with the credit bureaus.
- Request Debt Validation: You have the right to ask SST to prove the debt is yours and that the amount is correct.
- Negotiate a Pay-for-Delete: In some cases, you can offer to settle the debt if they agree to remove it from your credit report in writing.
- Work With a Credit Repair Company: Professionals can help you challenge collections and improve your credit faster.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Systems & Services Technologies?
Before calling SST or sending money, take time to verify the debt. Paying an old debt can sometimes reset the statute of limitations, making the account seem more recent on your credit report.
If you’re unsure how to handle it, a credit repair service can help you review your options and avoid common mistakes.
Can Systems & Services Technologies Sue or Garnish Your Wages?
Yes, SST can take legal action to collect a debt. If they win a court judgment, they may be able to garnish your wages, depending on the laws in your state.
However, most collection agencies prefer to settle debts through payment plans or lump-sum settlements rather than going to court.
Complaints About Systems & Services Technologies
Like many debt collectors, SST has complaints with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate credit reporting
- Harassment or aggressive collection tactics
- Failure to verify debts when asked
If you believe SST is violating your rights or reporting incorrect information, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With Systems & Services Technologies
You are protected by several laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what those laws mean for you:
- SST cannot report false or incomplete information.
- You can request written proof that the debt is yours and accurate.
- They cannot threaten, harass, or repeatedly call you.
- They must clearly state they are a debt collection agency.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps protect you from unfair treatment.
Systems & Services Technologies Contact Information
Address:
Systems & Services Technologies, Inc.
4315 Pickett Rd
Saint Joseph, MO 64503-1600
Phone: (866) 333-3819
Remove Systems & Services Technologies From Your Credit Report Today
If a collections account from SST is hurting your credit, you don’t have to face it alone. Credit Saint has over 15 years of experience helping people dispute incorrect information and clean up their credit reports. They even offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 for a free credit consultation and see how they can help you take control of your credit.
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.
