What does VALLEY CREDIT SERVICE mean on my credit report?

Learn about VALLEY CREDIT SERVICE, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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VALLEY CREDIT SERVICE is shorthand for Valley Credit Service Inc, with the company name being Valley Credit Service Inc Inc

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 provider. 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





Valley Credit Service offers payment services. Payments can be made through their website, via phone, or mail. Their contact information is provided on their website (www.valley-creditservice.com). Valley Credit Service does not offer a monthly payment plan. Payment refunds are not available. Valley Credit Service may pursue various methods to collect past due receivables, such as pre-suit demands, filing of lawsuits, wage garnishments, bank account attachments, and property liens.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Valley Credit Service does not offer loan forgiveness or consolidation services.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

Valley Credit Service does not offer loans, only debt collection services. Loan applications are not available online, over the phone, in person, or through a mobile app. A cosigner is also not necessary.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No
Can I apply for a loan with a cosigner? No

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 it 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.

How do I remove VALLEY CREDIT SERVICE from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.