Viking Client Services also commonly called Viking Collection Services, is a third party debt collection agency. They have two 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 auto loans to credit card collections. 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 debt validation 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
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 is responsible for repayment of a debt. This does not cover all types of debt.
But, if you are being contacted for payment on an old credit card account it does apply. Most often the statute of limitations is seven years. After that time you’re not legally responsible for repayment any longer. And the negative item must be removed from your credit report.
4. Negotiate A Settlement Payment
It may be in your interest to know more about how to pay off debt collectors. 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 three 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 from your credit report.
Look, your credit score is much like your Grade Point Average (GPA) in school days. It doesn’t matter if you’re acing all your classes, if you’re failing underwater basket weaving, because that one negative mark is going to obliterate your overall GPA.
This is also true of your credit score. And why it’s so essential we clean up credit report dings, blemishes, and remove any negative items. We encourage our members to consider professional, legal, and legitimate credit repair services to help with this.
Because in 2016 alone, over 9 million negative items were removed from consumer’s credit reports. One of the best firms is the Credit Pros. They’ve helped client’s successfully remove collections, late payments, charge offs, judgements, liens, and many more negative credit report items.
Get a free credit consultation with a certified FICO professional by calling toll-free 1-877-418-7596. And for more tips, techniques, and strategies to fix credit with Dan Willis, sign up for our free newsletter and join our congregation.
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