What does VALLEY CREDIT SERVICE mean on my credit report?

Is VALLEY CREDIT SERVICE making an impact credit score?

Updated May 1, 2022


VALLEY CREDIT SERVICE is shorthand for Valley Credit Service, Inc., with the company name being Valley Credit Service, Inc. LLC

Founded in 1936, VCS is one of the oldest and most experienced agencies in the state of Oregon. Our CEO, Greg Hammack, worked with VCS for more than 35 years, and was also a national director at the American Collectors Association (ACA). Our collection management team has over 170 years of combined collections experience. We are currently 15 collectors strong, with a total staff of 30 employees. Six of our current collectors have been with us for over 10 years, including three who have been with VCS for over 20 years.

VALLEY CREDIT SERVICE is a Creditor. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Valley Credit Service, Inc..

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for Valley Credit Service, Inc.:


  • 626 Appleblossom Ave N, Keizer, OR 97303, United States




  • 503-585-5651

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can VALLEY CREDIT SERVICE be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.