Who is Security Credit Systems?
Security Credit Systems, Inc. (SCS) is a debt collection agency based in Buffalo, New York. Their primary role is to collect unpaid debts on behalf of their clients.
If you see SCS listed on your credit report as a collections account, it means that you have an unpaid debt that has been transferred to them for collection. This usually happens when a bill has not been paid for a certain period of time.
Who does Security Credit Systems collect for?
Security Credit Systems collects debts on behalf of a variety of organizations across different sectors. These include commercial businesses, educational institutions, and medical organizations.
Is Security Credit Systems legit or a scam?
Security Credit Systems, Inc. is a legitimate debt collection 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 Security Credit Systems 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.
Security Credit Systems, Inc. (SCS) Contact Information
Address:
Security Credit Systems, Inc.
100 River Rock Dr. Ste 200
Buffalo, NY 14207
Phone number: (800) 836-4568
Should I contact or pay Security Credit Systems?
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 Credit reports can contain errors or list debts that are no longer valid.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 Security Credit Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Security Credit Systems on behalf of their clients.
Will Security Credit Systems sue me or garnish my wages?
Security Credit Systems, like any debt collection agency, is entitled to sue you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment that allows them to garnish your wages or levy your bank account to recover the debt. However, this is typically a last resort and happens only after multiple attempts to collect the debt in other ways have failed.
Security Credit Systems, 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 Security Credit Systems, 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 Security Credit Systems 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.
- Security Credit Systems, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Security Credit Systems 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.
- Security Credit Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Security Credit Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing Security Credit Systems 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.
