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 forgot to pay a bill and your account was sent to a debt collector.
Removing Valley Credit Service Collections from Your Credit Report
Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a 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 collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like Valley Credit Service, Inc. for millions of clients nationwide.
And they can 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 and possibly get it removed 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 them 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 to 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). It’s because they often report accounts inaccurately and/or for harassment. 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 any debt, whether or not you actually owe it. 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.
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- 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 trying 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.
More Tips on Dealing with Valley Credit Service, Inc.
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 try to get you to pay the debt.
Don’t try to hide money. It’s considered fraudulent to hide money or assets from a legitimate debt collector 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 usually, it’s 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.
Can Valley Credit Service collections be removed from my credit report?
Lexington Law specializes in disputing Valley Credit Service collection accounts. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them 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.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- CACH LLC
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- CMRE Financial Services
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Diversified Consultants
- Dynamic Recovery Solutions
- Enchanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Global Crossing Local Services
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Penn Credit
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates