Valley Credit Service on Your Credit Report: What to Know

Valley Credit Service, Inc. has collected debts for healthcare providers, retailers, utilities, and telecom companies from Keizer, Oregon since 1936, operating as a family-owned agency with an A+ BBB rating and 11 complaints in three years.

Documented complaints describe VCS collecting on already-paid medical bills, charging unauthorized fees, mishandling automatic payments and filing a lawsuit without properly serving the consumer, and disclosing debt information to third parties. This guide covers who they are and how to respond.

Who Is Valley Credit Service?

Valley Credit Service, Inc. is a family-owned third-party debt collection agency with an A+ BBB rating. Oregon has a 6-year statute of limitations on written contracts, and medical debt CFPB rules apply to every healthcare account they report.

Note: Two Companies Use This Name

A separate debt collection agency named Valley Credit Service operates out of Wisconsin. Some CFPB complaints attributed to “Valley Credit Service” may involve the Wisconsin entity rather than the Oregon company. If you received a collection notice, confirm the address before assuming it is from the Keizer, Oregon operation. The Oregon company is located at 626 Appleblossom Avenue NE, Keizer, Oregon.

Collecting Already-Paid Medical Bills

A documented BBB complaint describes a consumer who received a Valley Credit Service collection notice for a bill they had already paid directly to Centennial Medical Group. The consumer had bank records and a canceled check proving the payment. VCS denied having an open account after investigating, but the original billing error still reached the consumer through a collection notice.

If VCS is collecting on a balance your records show as paid, pull your bank records, the canceled check or payment confirmation, and your insurer’s explanation of benefits before engaging or disputing.

Unauthorized Fees and Interest

A documented FDCPA complaint category against Valley Credit Service is attempting to collect fees and interest not authorized by the original creditor agreement. FDCPA Section 1692f(1) prohibits collecting amounts not expressly authorized by the agreement creating the debt or permitted by law.

If the balance VCS is claiming exceeds what the original provider billed, request an itemized breakdown showing every charge and the specific contractual authority for any added interest or fees before paying.

Mishandled Automatic Payments and Lawsuit Without Proper Service

A documented BBB complaint describes Valley Credit Service mishandling a consumer’s automatic payments and then filing a lawsuit without properly serving the consumer. A court judgment obtained without proper service is challengeable in most jurisdictions on procedural grounds.

If you discovered a VCS judgment against you without having received a summons, contact an Oregon consumer attorney immediately. Oregon courts require proper service before a default judgment can be obtained.

Disclosing Debt Information to Third Parties

A documented FDCPA complaint category against VCS is giving confidential debt information to third parties. FDCPA Section 1692c(b) prohibits communicating with third parties about a consumer’s debt except to obtain location information. If VCS has disclosed your debt details to a family member, employer, or neighbor, document that communication before filing a CFPB complaint.

Medical Debt Reporting Rules Apply

Valley Credit Service collects for healthcare providers. 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.

If VCS has reported a medical balance under $500 or less than one year past due, dispute it immediately.

What Valley Credit Service Cannot Do Under Federal Law

• Collect amounts not authorized by the original agreement: A documented FDCPA complaint category. Request an itemized fee breakdown for any balance that exceeds the original bill.
• File a lawsuit without properly serving the consumer: A documented BBB complaint. A judgment obtained without proper service is procedurally challengeable.
• Disclose debt details to third parties: A documented FDCPA complaint category. FDCPA Section 1692c(b) strictly limits third-party communication.
• Collect on already-paid balances: A documented BBB complaint. Bank records and canceled checks are the primary evidence for disputing.
• 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 date of service for any medical account, an itemized bill, your insurer’s explanation of benefits, and a breakdown of every fee or interest charge added beyond the original balance. Oregon has a 6-year statute of limitations on written contracts.

How to Find Valley Credit Service on Your Credit Report

Check your credit reports for “Valley Credit Service.” Confirm the address on the entry matches the Keizer, Oregon location before attributing the account to this company. 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

• Pull payment records before engaging on any medical account: The documented BBB complaint shows VCS collecting on a balance the consumer had already paid. Canceled checks and bank records are the first line of defense.
• Request itemized fee documentation for any balance that exceeds the original bill: The documented unauthorized fee complaint makes this essential before paying.
• Verify proper service if a judgment exists you were unaware of: The documented lawsuit complaint shows VCS filing without proper service. Oregon courts can challenge judgments obtained this way.
• File with the Oregon Department of Consumer and Business Services in addition to CFPB: Oregon debt collection complaints can be filed at (503) 378-4140 or (888) 877-4894.

How to Contact Valley Credit Service

• Address: Valley Credit Service, Inc., 626 Appleblossom Avenue NE, Keizer, OR 97303
• Mailing address: P.O. Box 2046, Salem, OR 97308
• Phone: (503) 585-5651 or (800) 452-0317

Bottom Line

Valley Credit Service has collected debts since 1936 and holds an A+ BBB rating. Their documented complaint patterns include collecting on already-paid medical bills, charging unauthorized fees, disclosing debt details to third parties, and filing a lawsuit without properly serving the consumer.

Pull payment records before engaging on any medical account. If a judgment exists you were not notified about, contact an Oregon consumer attorney to challenge the service.