Who Is Security Credit Services? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Security Credit Services
- Address to send a debt validation letter
- Security Credit Services, LLC P.O. Box 1156 Oxford, MS 38655
- Phone
- 1-866-699-7889
- Official website
- https://www.securitycreditservicesllc.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Security Credit Services is a debt collector that purchases and pursues charged-off accounts originally owed to banks and retail credit card issuers. If Security Credit Services is contacting you, be cautious of any pressure tactics involving threats of arrest or lawsuits — send a debt validation letter in writing before you agree to pay anything, and confirm the amount claimed matches what you actually owed.
Has Security Credit Services been the subject of regulatory action?
Yes. In March 2013, the FTC filed suit against Security Credit Services, LLC and an affiliated law firm, alleging the company regularly and falsely threatened consumers with arrest, lawsuits, home liens, and wage or bank account garnishment, and misrepresented that non-attorney employees were lawyers — all violations of the FDCPA. The case settled with a Stipulated Final Judgment and Order for Permanent Injunction requiring the company to pay nearly $800,000 combined, including a $200,000 civil penalty to the FTC and roughly $36,800 in consumer restitution, and barring the false-threat practices going forward. If Security Credit Services has threatened you with arrest, a lawsuit, or garnishment over the phone, that is the exact conduct the FTC’s order prohibits — put your dispute in writing and keep a record of the call.
Questions & Answers
Is Security Credit Services a legitimate debt collector?
Security Credit Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Security Credit Services from calling me?
Under the FDCPA, you can send Security Credit Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Security Credit Services?
Send a written debt validation request to Security Credit Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Security Credit Services on my credit report?
If Security Credit Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- FTC v. Security Credit Services, LLC, No. 1:13-cv-00799-CC (N.D. Ga. filed Mar. 13, 2013)— ftc.gov
- Security Credit Services — Contact— securitycreditservicesllc.com