Remove General Credit Services from Your Credit Report Now

Clean Credit Report Remove General Credit Services from Your Credit Report Now

Is General Credit Services on Your Credit Report? Here is How to Remove It

Credits are lifesavers for many people. This borrowed money helps us accomplish several things we couldn't otherwise have been able to, including solving unforeseen financial emergencies. Remarkably, no one takes credit with the intention to default. Most, if not everyone, have a plan on their thoughts on how to repay the loan. But this is life! Things might not turn out as planned. As such, you may find your debt in collections agencies like General Credit Services.

The bad part is that these agencies may not understand this. And they may keep pressuring you or harassing you to get the debt paid. That's not even the worst-case scenario yet — many collections agencies might contact you for a debt you don't own. Or they might incorrectly quote the amount you owe. All of these boils down to one thing: accounts in collections affect your credit score negatively, which might cause you not to get approved for a loan or mortgage.

If General Credit Services appears on your credit report, DoNotPay can help you remove it and boost your credit score.

What Is General Credit Services?

General Credit Services (GCS) is a multifaceted company that offers various credit services to businesses, including debt collection. While they might call you using their standard phone numbers ((800) 736-3983 or (317) 844-5103), they mostly prefer using new numbers to reach you, or they can even email you.

The most probable reason they're on your credit report is that you have a debt in collection with them. Yes, you might not have taken the loan from them. In that case, they might have purchased the debt from the original creditor. Or, the GCS has essentially been enlisted by your original creditor to collect on their behalf.

Is General Credit Services Legit?

Yes. GCS is not fake nor a scam, though they might spam call you. This also means they should act according to the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Consumer Financial Protection Bureau (CFPB), and Better Business Bureau (BBB) regulations.

General Credit Services Contact Information

2724 West Main St.

Medford, OR 97501

1658 Williams Hwy

Grants Pass, OR 97527

What Should I Look For in My GCS Credit Dispute?               

The first line of defense when GCS reaches out to you is to send them a debt validation letter (within 30 days of first contact), especially if you believe the debt isn't yours or there are errors in the debt claim.

If the debt is truly yours, they are not allowed to harass, give out empty threats, or threaten to garnish your wages or take you to court while that's not possible depending on your state's regulations, or in reality, they don't intend to.

Some of the errors you should be on the lookout for after you find General Credit Services on your credit report are:

  • Inaccurate, incomplete, or error'd information on the credit report
  • The debt is not yours, but your names are there due to identity theft
  • Entries with an incorrect debt balance
  • Closed accounts marked as open
  • Various date mismatches
  • Some debt accounts appear more than once with different creditors or agencies

Removing General Credit Services from Your Credit Report

It's prudent to try and erase collection accounts in your credit report as soon as possible to save your credit score. Some of the things you can try to get things back on track are:

  1. Demanding the collection agency to delete the entry if they haven't verified your debt, including in the case of identity theft, by sending a credit dispute letter
  2. Writing General Credit Services a goodwill letter requesting them to remove the collections account from the credit report if you have already paid
  3. Negotiating a discounted debt repayment with the company and, in return, you get the entries deleted
  4. Disputing a credit report with the credit reporting unions to correct any error

Next Step If the Company Is Unwilling to Resolve Dispute

Things, especially when dealing with rogue corporates like collections agencies, might get tougher than anticipated. When every effort to get General Credit Services to resolve your credit dispute affecting your credit report hits a wall, we can help you escalate things further and get the justice you deserve. With our small claims court product, you can get paid for damages caused by General Credit Services if they are found to have acted dishonestly or inaccurately when reporting your account to the credit reporting agencies.

Removing General Credit Service Collections Off the Credit Report Using DoNotPay

While it might not look as helpful now, having a clean credit report should be among your top priorities. You shouldn't let the overcomplicated process or one failure with an overpromising-but-underdelivering credit repair service change this fact!

You can use DoNotPay's straightforward tool to get your credit score back on track by cleaning bad entries off your credit report. All you have to do is:

  1. Search Clean Credit Report on DoNotPay.


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


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


  2. 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.


  3. 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!


  4. 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.


Learn how to remove late payments and methods to delete inquiries from your credit report, too.

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

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