Dispute Financial Data System on Your Credit Report

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Is Financial Data Systems Damaging Your Credit Score?

You always want your credit report to be spotless. A good credit score can make all the difference to your buying power, and it has a direct influence on the interest rates that you're offered. It can be scary and aggravating when an account suddenly pops up on your credit report. You aren't sure what your next step should be other than to dispute it.

When you aren't sure of how to dispute a collection account on your credit report, you spend a lot of time with very few results to show for it. You might start by filing a dispute with the three major credit bureaus, but this can take a month or more, and it isn't always successful. If you try calling Financial Data Systems, you’ll discover they're only worried about getting their money. DoNotPay is the way to go.

About Financial Data Systems

Based in Wilmington, North Carolina, is a debt collection agency. This agency handles a lot of medical office debt collection.

Business NameFinancial Data Systems, or FDS Credit
Phone numbers
  • 910-392-2998
  • 888-950-7800
Mailing AddressFinancial Data Systems

PO Box 688

Wrightsville Beach, NC 28480

What Is a Debt Validation Letter?

A debt validation letter is a letter that a credit collection agency provides you to prove that you owe the debt. When you get a call from a debt collector, you need to ask for one. There's a lot of valuable information in the letter, including the date of the debt and the company that claims you owe them a debt.

Removing Financial Data Systems From Your Credit Report With the Help of DoNotPay

Your credit report and score are the keys to your financial happiness. If there are red flags on your report, you'll find it difficult to get a loan or a new store account. When you do get one, the interest rate is higher than you're comfortable with. Sometimes, a collection agency puts an account on a person's credit file that's too old or incorrect, and when this happens, you have to dispute it. However, this isn't as easy to do as you'd think it would be. It can be a hassle and time-consuming. DoNotPay makes it a snap.

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the 4 potential options:
  • If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  • If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

  • If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!

  • Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!

Why Use DoNotPay to Remove Financial Data Systems From Your Credit Report

You're feeling frustrated, and you know that you're wasting a lot of time trying to from your credit report, but you aren't sure you need help yet.

You don't want the removal process to take too long, or it might affect your current credit card interest rates. Here's a look at the top three reasons that people choose to use DoNotPay:

  1. It's successful where other options fail.
  2. It's easy to enter all the necessary info.
  3. It's fast, so you can move on to something else.

DoNotPay Works Across All Debt Collection Agencies and Creditors With the Click of a Button

While you probably think that you have a firm understanding of your credit score and report, the appearance of an account from Financial Data Systems might leave you with questions. The DoNotPay app strives to provide you with all the info you want about your credit and how to manage it. You can check out a few of these topics:

What Else Can DoNotPay Do?

Once you start using the DoNotPay app, you'll never want to stop, and you don't have to stop! The app can make your life a breeze in a variety of ways. Here are a few to get you excited:

Start the process of with DoNotPay now.

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