Valley Credit Service

Is Valley Credit Service hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information 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?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Valley Credit Service, Inc. Contact Information


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.?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Valley Credit Service, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Valley Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Valley Credit Service must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Valley Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Valley Credit Service From Your Credit Report Today!

Lexington Law can assist you in disputing Valley Credit Service collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.