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4 Easy Steps to Remove IC Systems From Your Credit Report


amy beardsley

By Amy Beardsley

Last updated 9/17/2019


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Summary: Use these 4 steps to remove IC Systems from your credit report and stop all of those harassing calls.

You already know a good credit report can unlock more opportunities in life. But what happens when a collection agency like IC Systems drops in to ruin an otherwise fabulous day?

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Our #1 choice for professional credit repair is Sky Blue.  

If this happens, there’s just one thing to do:

You must take action. And fast.

Fortunately, there are four proven steps to remove collections from your credit report, which we will share below.

Important: This article provides DIY (do-it-yourself) steps to remove IC Systems from your credit file.  If you don't have the time or patience to work on your credit, we highly recommend you request a free consultation from our #1 credit repair company, Sky Blue.

What is IC Systems Credit Collection Services?

IC System is an accounts receivable company similar to other popular collection agencies like MRS Associates or Portfolio Recovery

They collect overdue accounts in a variety of industries, although the company focuses on unpaid balances for healthcare, dental, government, utilities, and communications.

If they’re showing up on your credit report, their name might confuse you.

While the actual name of the business is IC System, most people refer to them as IC Systems. This minor difference isn’t a big deal as long as you know it’s the same company.

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How to Get IC Systems Off Your Credit Report Fast

Your payment history accounts for 35% of your credit score, and the consequences of a collection only gets worse the longer it stays on your record.

Because I wouldn’t want a collections agency on my credit report, I’m sure you don’t want it on yours either.

Here’s how to clean up your credit report and kick IC System to the curb.

NOTE:  These are DIY strategies.  If you get lost or need help along the way, we highly recommend you reach out to Sky Blue Credit Repair for their FREE consultation.

1. The Debt Collection Loophole You Need to Know

If IC System Collection Agency is contacting you, they must follow the rules of the Fair Debt Collection Practices Act (FDCPA). But the rules are lengthy and hard-to-read.

Here’s what you need to know.

First, the FDCPA requires credit collectors to prove you own the debt by sending you a letter that includes:

  • How much you owe
  • Who you owe the money to
  • Information about how to dispute the debt

If you didn’t get a letter and IC Systems showed up on your credit report out of the blue, you need to send them a debt validation letter.

And a word of advice: Only contact them in writing and send everything by registered mail.

If they can't validate the debt to show you owe the money, it should come off your report within 30 days.

That way, you’ll have a paper trail and, since the FDCPA requires they send you the details of your debt within five days, using registered mail gives you a date to start from.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Our #1 choice for professional credit repair is Sky Blue.  

Plus, if the company is contacting you and you want to stop calls from IC Systems, the law requires them to stop when you request it in writing.

But here’s the best part…

If they can’t validate the debt to show you owe the money, it should come off your report within 30 days.

2. Tricks to Clean Up Your Credit Report Fast

Whether you owe the money IC Systems says you do or not, getting the collections stain off your credit report is possible.

The first option to get them off your credit report is the easiest since it has to do with the date of the overdue balance they’re reporting.

Why is this important?

Because negative marks can only stay on your credit record for up to seven years.

Although, bankruptcies are an exception to this rule. But even they can’t stick around for over ten years.

Quick Tip:

Send the your debt validation letter via certified mail with a return receipt request. 

Assuming it hasn’t been more than seven years, let’s go back to your debt validation letter.

Did they respond to your request?

If they didn’t respond, or if they can’t prove the debt is accurate and belongs to you, it’s considered an error.

And when it’s an error, all you have to do is submit a dispute - in writing - to each of the three credit reporting agencies: Equifax, Experian, and TransUnion.

Credit Reporting Bureau Mailing Addresses:

Equifax

P.O. Box 740256

Atlanta, GA 30374-0256

Experian

P.O. Box 9701, Allen, TX 75013

TransUnion

P.O. Box 2000

Chester, PA 19016-2000

Then, according to the laws under the Fair Credit Reporting Act (PDF), the credit reporting agency must remove any wrong or unverifiable information.

How cool is that?

Also, know that your credit score might take a temporary hit when you dispute an error, but it usually bounces back.

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3. Stand Your Ground if You Make a Deal

Did you know creditors don’t have to send information to credit agencies?

This means you could negotiate with IC Systems to remove the debt from your record in exchange for your payment, even if you set up a payment plan with them.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Our #1 choice for professional credit repair is Sky Blue.  

And you know what else?

According to U.S. News & World Report, collections agencies will often settle for 40 to 60 percent of the balance due.

Keep in mind that any deals you make with them must be in writing.

Also, your agreement should include that they’ll consider your debt as “paid in full” even if they require you to pay only a portion of what you owe.

4. Consider Getting Help from the Pros

While you can negotiate on your own, it can be difficult.

And time-consuming.

If you get stuck on any part of this process, or if you’re not up for the challenge of dealing with this issue yourself, you’ll want to consider getting help from a credit expert.

Did you know?


48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

If that sounds like you, we highly recommend you request a free consultation from our friends at Sky Blue credit repair.  They handle collections agencies like IC Systems every day and will have no trouble whipping your credit report into shape.  

They also happen to have the lowest rates in the industry and offer a money-back guarantee.

Taking Action!

Jumping through hoops to get your credit report spick-and-span isn’t always easy. 

Just remember to always communicate with IC Systems in writing.

Otherwise, the representative you speak with could go back on the terms you discussed, and you won’t have any solid proof to fall back on.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Our #1 choice for professional credit repair is Sky Blue.  

Whether you got a letter in the mail, want to stop calls from them, or if it popped up on your record, you have options.

And imagine how much better you’ll feel with this removed from your credit report!


amy beardsley

By Amy Beardsley

Amy is a personal finance expert and freelance writer and owner of Early Morning Money, She has bachelor degrees in business administration and legal studies, and her work has been featured on The Huffington Post, Money Tips, and many other personal finance publications. 


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