If Valley Credit Service, Inc. is showing up on your credit report, it likely means there’s an unpaid debt that’s been turned over to collections. Here’s what that means for your credit—and what you can do about it.
Who Is Valley Credit Service, Inc.?
Valley Credit Service is a debt collection agency based in Keizer, Oregon. They work on behalf of original creditors to recover unpaid debts. If your account gets assigned to them, it often results in a collection account appearing on your credit report.
Who Does Valley Credit Service Collect For?
Valley Credit Service collects debts for various businesses and service providers. While specific clients aren’t always disclosed, they often collect for industries such as:
- Healthcare providers
- Credit card issuers
- Utility companies
- Retailers and service businesses
If you’ve fallen behind on payments in one of these areas, you may see Valley Credit Service listed on your credit report.
Is Valley Credit Service a Scam?
Valley Credit Service, Inc. is a legitimate debt collector. They are authorized to collect debts for their clients. However, you should always verify the debt before making payments, as incorrect or outdated information can show up on your credit report.
How to Remove Valley Credit Service From Your Credit Report
Collection accounts can stay on your credit report for up to seven years and damage your credit score. But you have options to address them:
- Dispute inaccurate information: If the account is incorrect, dispute it with the credit bureaus.
- Request debt validation: You have the right to ask Valley Credit Service to prove the debt belongs to you and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Work with a credit repair company: Credit experts can help dispute negative items and review your credit report for errors.
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 Valley Credit Service?
Before contacting them or making payments, verify the debt is accurate and within the statute of limitations. Making a payment on old debt can sometimes restart the reporting period and further affect your credit.
Many people prefer to work with credit repair professionals to help handle collection accounts and avoid costly mistakes.
Can Valley Credit Service Sue or Garnish Wages?
Debt collectors like Valley Credit Service can sue to collect unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on state laws.
That said, lawsuits are often a last resort. Most collection agencies try to settle debts through payment plans or other arrangements before going to court.
Valley Credit Service Contact Information
Office Address:
Valley Credit Service, Inc.
626 Appleblossom Ave
Keizer, OR 97303
Mailing Address:
P.O. Box 2046
Salem, OR 97308-2406
Phone: (503) 585-5651 or (800) 452-0317
Complaints About Valley Credit Service
Like many collection agencies, Valley Credit Service has complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. These complaints often involve:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to provide debt validation
If your rights are being violated, you can submit a complaint to the CFPB or the 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 over unpaid debts.
Get Help With Valley Credit Service Collections
Dealing with collection accounts can be overwhelming, but you don’t have to manage 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 extra 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.
