Credits, Incorporated is a collection agency in Hermiston, Oregon, that has served businesses in Oregon, Washington and Idaho since 1966. It handles medical collections, government collections and accounts receivable for local businesses.
- Type
- Collection agency
- Also known as
- Credits, Inc.
- Headquarters
- Hermiston, OR
- Collects
- medical bills, government accounts, business accounts receivable
- Phone numbers it lists
- (541) 567-6180, (800) 244-9006
- Website
- creditsinc.com
18 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credits, Incorporated from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Credits, Incorporated?
Credits, Incorporated is a debt collection and recovery agency at 461 E. Main Street in Hermiston, Oregon, in the state's northeast corner. Its website says it has been "recovering outstanding receivables with care & consistency since 1966," describes itself as a Pacific Northwest collection agency, and has market pages for Oregon, Washington and Idaho. It says more than 500 companies in the region use its services and that it is licensed and bonded.
We did not find a CFPB enforcement action against Credits, Incorporated.
Why Credits, Incorporated May Be Contacting You
The agency's site lists medical collections, delinquent account resolution, revenue cycle management, accounts receivable collection and management, and government collections. Its website mentions clients such as physicians, financial advisers, law firms and retail stores. So a call or letter from Credits, Inc. is likely about a medical bill or a balance with a small business or public body in eastern Oregon, southeastern Washington or Idaho.
Because the company also offers revenue cycle management, you may hear from it about a bill before it is formally in collection.
How to Check a Debt Credits, Incorporated Says You Owe
- Ask for or review the validation notice, which must name the creditor, itemize the balance and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Send a written dispute within the validation period if the bill was covered by insurance, was paid, or is for care you did not receive.
- Confirm who the creditor is now. Ask whether the clinic or business still owns the account.
- Compare the balance with the provider's itemized statement and your explanation of benefits. Check that insurance payments and adjustments were applied.
- Think about the date of the last payment. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Oregon, Washington and Idaho apply their own periods.
What Credits, Incorporated Can and Can't Do
An agency that collects for clients is a "debt collector" under 15 U.S.C. § 1692a(6). Points that matter for medical and small-business accounts:
- It may not share details of your medical debt with family members, coworkers or others, other than to get location information (15 U.S.C. §§ 1692b, 1692c(b)).
- Under the credit bureaus' policies, paid medical collections and those under $500 should not appear on your credit report; see our medical debt reporting note.
- It may not add a collection fee unless the agreement or law permits it (15 U.S.C. § 1692f(1)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
See medical bills and lawsuits in Texas or our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credits, Incorporated or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Credits, Incorporated: home page
- Credits, Incorporated: About
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Credits, Incorporated, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credits, Incorporated has violated any law. Company details change; tell us if something here is out of date.