Northstar Location Services on Your Credit Report? Fight Back and Win

You're probably confused if you're getting phone calls from a company called Northstar Location Services or if they're listed on your credit report. You've never heard of them, so how could you owe them money? Your next questions are probably how to get Northstar Location Services off your credit report and stop their calls.

There are solutions for dealing with this company. 

What Is Northstar Location Services?

Northstar Location Services is a debt collection company that works as a third party. Companies will outsource their debt collection to a company like Northstar Location Services.

You’ve never heard of Northstar Location Services because they don’t provide financing or credit to consumers. They’re not directly an originator of any debt. They’re just a way for other companies to outsource their own debt collection. 

Is Northstar Location Services a Scam?

Northstar Location Services is a real company and not a scam. The company has been operational for over 50 years and is based in New York. 

It's important to note that while Northstar Location Services is a legitimate company, the debt they're attempting to collect from you might not be. Any time you hear from a debt collector or see a collections account listed on your credit report, the chances of an error are high.

Some of the reasons for errors related to credit reporting include your name getting mixed up with someone else’s or even your social security number. The company reporting the debt could have the wrong information on file that they provide to a debt collector. You might be an identity theft victim, leading to misinformation on your credit report or wrong attempts at debt collection by a third party like Northstar Location Services. 

It’s also possible that you’re an authorized user on an account, not the account holder, or that the debt Northstar Location Services is calling about is old and yet reported as new. 

There are quite a few complaints and negative consumer reviews about Northstar Location Services. For example, some consumers report when contacted by this company, they felt they were being threatened. Other complaints say that the company didn’t provide the requested information about the debt, and many people say Northstar Location Services continues to call them about debts or accounts they never had. 

Who Does Northstar Location Services Collect For?

Like many debt collectors, Northstar might work in different industries and for various companies, but primarily collects for financial service providers, like credit card companies, and they collect on student loan debts.

How Should I Handle a Call From Northstar Location Services?

If Northstar Location Services or any debt collector contacts you, contact a consumer protection attorney. Each situation can require a different approach, so an attorney can advise you on what’s right for you. 

Federal law requires that debt collectors follow certain steps before they report your debt to a credit reporting company. Only after a debt collector follows certain rules can they report your debt. 

If you already see Northstar Location Services on your credit report and haven't contacted you first, they could be violating the Fair Credit Reporting Act, and you might need to work with an FCRA attorney.

A debt collection company must provide you with so much transparency and information about a potential debt because there is a high possibility of errors. 

When you contact an FCRA attorney, they can verify a debt and then, if appropriate, take the steps to dispute on your behalf. If you try to talk to a debt collector or dispute a debt on your own without talking to an attorney, you run the risk of worsening the situation. For example, this could lead to a restart of the statute of limitations clock for the debt. 

It’s also important to know that a debt collector can’t use harassment and other forms of intimidation because of the Fair Debt Collection Practices Act (FDCPA). The FDCPA also says a debt collector can’t call you before 8 in the morning or after 9 at night. They can’t be deceptive or make threats. Collection agencies are also not allowed to call more than a certain number of times in a short period of time to annoy you intentionally. 

What If a Debt That's Not Yours Is On Your Credit Report?

While debt collectors are supposed to comply with the FCRA, that's not always the case. The debt the company is trying to collect could already be on your credit report, negatively affecting your score.

When information is disputed, the company is legally required to investigate your claim within 30 days. Then, once that investigation is finished, the company has to report the findings. 

If the company reporting the negative information agrees that a dispute is correct, they should delete it from your credit report in a timely way, so you aren’t impacted by it. 

Getting Northstar Location Services Off Your Credit

If you're dealing with Northstar Location Services and they're on your credit report, your top priority is probably getting them off. While you should, in theory, be able to dispute it relatively easily and have the negative information removed, it is often more challenging. 

For example, maybe you proved to Northstar Location Services that the debt isn't yours, but they've yet to remove it from your credit. They could also be arguing about your reasons for the dispute. Debt collectors can be notoriously hard to deal with and get to take action, even when you’re exerting your legal rights. 

You may have to work with an FCRA attorney to deal with Northstar Location Services and remove them from your credit. It’s not always easy to get the attention of a debt collector or get them to take the necessary action otherwise, despite the laws in the industry.

Get a Free Case Review

If you're struggling to deal with Northstar Location Services, including phone calls or a report on your credit, Fair Credit can help. Our team of FCRA attorneys can review your case for free and help determine the best steps so that you're no longer going through the stress and struggle that can come with debt collectors.