How to Remove Valley Credit Service From Your Credit Report

Who is Valley Credit Service?

Valley Credit Service, Inc. (VCS) is a debt collection agency based in Keizer, Oregon. The company operates by assisting original creditors in recovering outstanding debts from consumers.

If you find Valley Credit Service listed on your credit report, it typically means that you have a past-due bill that the company is trying to collect.

Who does Valley Credit Service collect for?

Valley Credit Service provides its debt collection services to a variety of original creditors. While it is not specified, these creditors could span a range of industries such as healthcare, credit cards, utilities, and other consumer services.

Is Valley Credit Service legit or a scam?

Valley Credit Service, Inc. is a legitimate company. However, they may use persistent communication methods, including repeated phone calls, text messages, or emails, to try to collect a debt.

How can I remove Valley Credit Service from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Valley Credit Service, Inc. Contact Information

Address:

Valley Credit Service, Inc.
626 Appleblossom Ave
Keizer, OR 97303

Mailing address:

Valley Credit Service, Inc.
P.O. Box 2046
Salem, OR 97308-2406

Phone number: (503) 585-5651 or (800) 452-0317

Should I contact or pay Valley Credit Service, Inc.?

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 Credit reports can contain errors or list debts that are no longer valid.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 Valley Credit Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valley Credit Service, Inc. on behalf of their clients.

Will Valley Credit Service sue me or garnish my wages?

Valley Credit Service is entitled to sue you to recover the debt you owe. If they sue you and win the case, they might be able to garnish your wages or levy your bank account, but this depends on the laws of your state. However, suing is usually a last resort for most debt collection agencies, as it is a lengthy and costly process.

Valley Credit Service, Inc. Complaints

Many collection agencies have numerous complaints filed 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 you are being harassed by Valley Credit Service, you should also 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 Valley Credit Service, Inc.

Debt collectors must follow state and federal laws. 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 Valley Credit Service, Inc. 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.
• Valley Credit Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Valley Credit Service 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.
• Valley Credit Service cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Valley Credit Service From Your Credit Report Today!

Credit Saint offers assistance with disputing Valley Credit Service collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.