Who is Valley Credit Service, Inc.?
Valley Credit Service, Inc. (VCS) is a debt collection agency located in Keizer, OR.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.
Call Lexington Law now to learn more: (800) 220-0084
Valley Credit Service, Inc. Contact Information
Valley Credit Service, Inc.
626 Appleblossom Ave
Keizer, OR 97303
Valley Credit Service, Inc.
P.O. Box 2046
Salem, Oregon 97308-2406
Phone number: (503) 585-5651 or (800) 452-0317
Should I contact or pay Valley Credit Service, Inc.?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Valley Credit Service, Inc. for millions of clients nationwide.
And they may be able to help you too.
Will Valley Credit Service sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Valley Credit Service, Inc. again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Valley Credit Service to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.
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). Lexington Law knows that you have rights, and Valley Credit Service, Inc. does too.
Your Rights When Dealing with Valley Credit Service, Inc.
There are strict regulations about what a collection agency can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. 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 on your credit report.
- 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 collection agency both orally and in writing.
- Valley Credit Service cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell Valley Credit Service it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.
Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Valley Credit Service, Inc. go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Valley Credit Service From Your Credit Report Today!
Lexington Law specializes in disputing Valley Credit Service collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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