If you’ve noticed Valley Empire Collection on your credit report, it could be tied to an old debt—and it may be pulling your credit score down. Here’s what you should know and how to handle it.
Who Is Valley Empire Collection?
Valley Empire Collection, also known as VEC, is a debt collection agency based in Spokane Valley, Washington. They work with businesses and organizations to recover unpaid debts from consumers.
If you owe money to one of their clients, Valley Empire Collection might appear on your credit report as a collections account.
Who Does Valley Empire Collection Work For?
Valley Empire Collection represents a wide range of businesses. Their clients include:
- Banks and financial institutions
- Medical and dental offices
- Utility companies
- Government agencies
- Law firms collecting judgments
- Businesses with unpaid service contracts
If you’ve fallen behind on a payment to one of these types of companies, Valley Empire Collection may be trying to collect on that account.
Is Valley Empire Collection a Real Company or a Scam?
Valley Empire Collection is a legitimate, licensed debt collection agency. They have the legal authority to collect debts on behalf of their clients. That said, always request written verification to confirm the debt is yours before making any payments.
How to Remove Valley Empire Collection From Your Credit Report
Collections can stay on your credit report for up to seven years, making it harder to qualify for loans, credit cards, or even rental applications. Here are some options to deal with it:
- Dispute inaccuracies: If the account details are wrong, file a dispute with the credit bureaus to correct or remove the information.
- Negotiate a pay-for-delete: You can try to settle the account with an agreement that they remove the collection from your credit report after payment. Always get this in writing.
- Get expert help: Credit repair companies know how to challenge questionable collections and help improve your credit profile.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Valley Empire Collection?
Before reaching out or making a payment, double-check that the debt is accurate and still legally collectible. Paying an old debt can sometimes restart the statute of limitations, which could lead to renewed collection efforts.
Many people choose to work with credit repair professionals who handle these situations daily. They help remove negative accounts from credit reports, including those from Valley Empire Collection.
Can Valley Empire Collection Take Legal Action?
Yes, like other collection agencies, Valley Empire Collection has the option to sue you for unpaid debts. If they win a court judgment, they may be able to garnish your wages, freeze your bank account, or use other legal methods—depending on your state’s laws.
That said, lawsuits are usually a last resort because they cost time and money for the collector.
Valley Empire Collection Complaints
Debt collectors often receive complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Valley Empire Collection is no exception. Common complaints include:
- Incorrect debt reporting
- Harassment or aggressive communication
- Failure to properly validate debts
If you feel your rights are being ignored, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Valley Empire Collection
You are protected by state and federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws help ensure fair treatment, including:
- They cannot report false or incomplete information to the credit bureaus.
- You can send a written debt validation request to confirm the account is yours. They must respond within 30 days.
- Harassment, threats, or abusive language are illegal.
- They must clearly state they are a debt collector when contacting you.
- No one can be arrested for unpaid debts—they cannot make false threats like that.
Valley Empire Collection Contact Information
Address:
Valley Empire Collection
8817 E Mission Ave, Suite 101
Spokane Valley, WA 99212
Phone: (800) 669-8139
Get Valley Empire Collection Removed From Your Credit Report
Tired of collections holding back your credit score? Credit Saint has years of experience helping people challenge negative accounts, including collections from Valley Empire Collection.
They even back their service with a 90-day money-back guarantee for extra peace of mind.
For more information, visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
