If Williams & Fudge appears on your credit report, it likely means you have an unpaid student loan or education-related debt that has gone to collections. Here’s how they operate—and how to work toward removing them from your report.
Who Is Williams & Fudge?
Williams & Fudge, Inc. is a debt collection agency based in Rock Hill, South Carolina. They work with colleges and universities across the country to recover unpaid education-related debts.
If they appear on your credit report, they are trying to collect money tied to your name that has not been paid.
Who Does Williams & Fudge Collect For?
Williams & Fudge focuses on collecting education-related debts, including:
- Unpaid tuition
- Campus-based loans or institutional loans
- Private student loans
- Room, board, or housing fees
- Library fines, parking tickets, and other campus charges
If you have an outstanding balance with a college or university, your account may have been turned over to Williams & Fudge.
Is Williams & Fudge Legitimate?
Yes, Williams & Fudge is a real debt collection agency. But even legitimate collectors can:
- Report incorrect information to credit bureaus
- Try to collect debts that don’t belong to you
- Make mistakes when contacting consumers
Always verify the debt before agreeing to make payments.
How to Remove Williams & Fudge From Your Credit Report
Collections can stay on your credit report for up to seven years, but they may be removed sooner with the right approach:
- Dispute errors – If the account information is incorrect, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask for written proof the debt belongs to you and the amount is correct.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Always get any agreement in writing before sending payment.
- Work with a credit repair company – Professionals can help challenge negative items and work to improve your credit report.
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 Williams & Fudge?
Before making payments, confirm the debt is valid and accurately reported. Credit reports can contain mistakes, and paying without verification can sometimes restart collection efforts, depending on your state laws.
Many people prefer to work with experienced credit repair professionals to avoid missteps when dealing with Williams & Fudge.
Can Williams & Fudge Sue You or Garnish Your Wages?
Yes, Williams & Fudge has the right to sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
However, lawsuits are typically a last resort. Most debt collectors prefer to work out payment plans or settlements rather than go through the time and expense of legal action.
Complaints About Williams & Fudge
Williams & Fudge has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or excessive calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Williams & Fudge
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair treatment.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof that the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false threats of legal action they cannot take
Knowing your rights helps you handle the situation with confidence.
Williams & Fudge Contact Information
Address:
Williams & Fudge, Inc.
300 Chatham Ave
Rock Hill, SC 29730
Phone:
(800) 849-9791
Get Help Removing Williams & Fudge From Your Credit Report
Collections can lower your credit score, but you don’t have to face them alone. Credit Saint has more than 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from Williams & Fudge.
They even offer a 90-day money-back guarantee for added peace of mind.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
