Viking Client Services also commonly called Viking Collection Services, is a 3rd party debt collection agency. They have 2 locations in Eden Prairie, Minnesota and Phoenix, Arizona. According to their website: They have been in business since 1969 and “provide collection services for some of the largest banks and financial institutions.”
In other words, they may be contacting you for a variety of types of debt, from an auto loan to a credit card collection. There are many consumer reports of Viking Client Services collecting on credit card debt.
Viking Client Services, Inc.
7500 Office Ridge Cir. Suite #100
Eden Prairie, MN 55344
Phone number: 952-944-7575
4 Tips To Dealing With Viking Client Services
1. Validate Your Account
If you are currently dealing with debt collectors the very first step is to request validation of your debt account. This is how you make Viking Client Services prove this debt is actually your account. You can request this by sending a validation of debt letter. We suggest sending this letter using certified mail.
According to federal law they will respond within 30 days of receipt. By giving you evidence that proves they own collection rights on your debt. And it is within the statute of limitations. This in compliance with the Fair Debt Collection Practices Act. A federal law that regulates how collection agencies can operate and your rights as a consumer. If your account is not validated then it must be removed from your credit report.
2. Dispute Credit Report
Is your main priority removing collections from credit report listings? Then, you may want to start by disputing credit report information directly with the 3 major credit bureaus. You can do this by sending a credit bureau dispute letter. The credit bureaus will investigate the item on your credit report and potentially remove this negative information.
3. How Old Is Your Debt?
Did you know most consumer debts have a statute of limitations? The statute of limitations places a maximum amount of time you or any consumer are responsible for repayment of a debt. This does not cover all types of debt. But, if you are being contacted for payment on a old credit card account it does apply.
Most often the statute of limitations is 7 years. After that time your not legally responsible for repayment any longer. And the negative credit must be removed from your credit report.
4. Negotiate A Settlement Payment
It may be in your interest to know more about how to settle with a collection agency. Did you know you can negotiate on the amount of the payment? Often, you can pay just a fraction of the total balance. Experts, suggest that you begin your negotiations at $.25 on the dollar.
For example, if you have a $400 debt. Then, you would start by offering a $100 settlement payment. But don’t forget to get everything in writing. And make sure that Viking Client Services agrees to send a deletion request to all 3 of the major credit bureaus. This deletion request is very important without it you can pay the debt but continue to have bad credit on your credit report.
Finally, make your payment. We would recommend that you do this by check or money order. And in the memo line write: “For deletion from credit reports.” This way when Viking Client Services deposits your check. You will have another legal contract in addition to your settlement agreement. This is just an extra insurance policy for you. In case they forget to delete the bad credit about this debt on your credit report.
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