Who is DCI Credit Services, Inc.?
DCI Credit Services, Inc. is a debt collection agency headquartered in Dickinson, North Dakota. They also have several additional locations throughout North Dakota.
If you see DCI Credit Services, Inc. on your credit report, this means that they are attempting to recover a debt from you. This could be the result of an unpaid bill that has been transferred or sold to their agency for collection.
Who does DCI Credit Services collect for?
DCI Credit Services, Inc. provides debt collection services for a variety of clients across multiple industries. These can include commercial businesses, consumer and retail companies, financial institutions, healthcare providers, hospitals and medical centers, and physician practices. They also provide services for NSF (Non-Sufficient Funds) check recovery.
Is DCI Credit Services legit or a scam?
DCI Credit Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove DCI Credit Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
DCI Credit Services, Inc. Contact Information
Address:
DCI Credit Services, Inc.
1409 West Villard St.
Dickinson, ND 58602
Mailing address:
DCI Credit Services, Inc.
PO Box 1347
Dickinson, ND 58602
Phone number: (800) 822-0176
Should I contact or pay DCI Credit Services, Inc.?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like DCI Credit Services, Inc. on behalf of their clients.
Will DCI Credit Services, Inc. sue me or garnish my wages?
DCI Credit Services, Inc., like any other debt collection agency, has the legal right to file a lawsuit against a debtor for an unpaid debt. If they proceed with a lawsuit and the court rules in their favor, they may potentially garnish your wages or levy your bank account to collect the debt. The specific actions they can take depend on the laws in your state.
However, initiating a lawsuit is typically a last resort for most collection agencies. The process is costly and time-consuming, so agencies usually prefer to negotiate a payment plan with the debtor first.
DCI Credit Services, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with DCI Credit Services, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for DCI Credit Services 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. They have 30 days to prove the debt is yours and the amount is accurate.
- DCI Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- DCI Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- DCI Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove DCI Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing DCI Credit Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
