Franklin Collection Service on Your Credit Report? Fight Back and Win

Last Updated:
April 14, 2023

Has Franklin Collection Service had a negative impact on your credit scores? Are you tired of the calls and stress that accompany debt collection? You’re not alone. Unfortunately, in some cases, Franklin Collection Service attempts to collect debts resulting from credit reporting errors. That can include debt that’s:

  • Outside the statute of limitations
  • The result of identity theft
  • Inaccurately reported 
  • Based on other credit reporting errors

With that in mind, our FCRA attorneys are here to help you dispute invalid debts, hold companies responsible for FCRA violations, negotiate favorable debt settlement agreements (if necessary), and stand up for your consumer rights. Contact us today to learn how we can help you get collections accounts off your credit report as soon as possible. 

Continue reading to learn everything you need to know about Franklin Collection Service.

Background on Franklin Collection Service

Franklin Collection Service ( also known as Franklin Service, Inc)  is a debt collection agency based in Tupelo, Mississippi. They have been in business for more than 25 years. In that time, they have also managed to develop a reputation as an aggressive debt collector that will rigorously pursue debtors, even if their debt is invalid. A quick search of their reviews online reveals a lot about the company. 

  • Better Business Bureau: 212 total complaints within the last year
  • Google Reviews: 1.9 out of 5 stars, with 226 written reviews 
  • WalletHub: 2 out of 5 stars, with 72 written reviews 
  • Yelp Reviews: 1.5 out of 5 stars, with 7 written reviews

Based on the information referenced above, if you feel Franklin Collection Service has mistreated you, there’s a big chance there’s some truth to it.  Contact us today for your free case review.

Is Franklin Collection Service Legit Or a Scam?

Franklin Collection Service is not fake or a scam. They are a legitimate company authorized to collect debts on behalf of its clients. However, like any collection agency, they must comply with both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) when attempting to collect a debt from consumers. 

If they don’t, they can be held accountable for harassment, refusing to fix credit reporting errors, going after you for invalid debts, and more.

Franklin Collection Service Contact Information

Suppose you notice a DirecTV bill on your credit report, and Franklin Collection Service is the reporting company. The only issue is you paid all of your DirecTV bills and have no idea why it’s on your credit reports. In that case, it’s understandable if you want to reach out to Franklin Service to learn more and dispute the debt.

That said, here’s their contact information:

  • Phone Number: 1-662-844-7776 OR 1-800-262-7590
  • Website:
  • Address: 1061 Cliff Gookin Blvd, Tupelo, MS 38801
  • Email:

When dealing with Franklin Collection Service or any other debt collector, it’s essential to be careful about how much you say and what you say. That means you should avoid admitting to the debt, paying it off without considering other options, etc. If you’d rather not talk to them directly, we can do it for you. Contact us today for your free initial consultation.

What Companies Does Franklin Collection Service Collect For?

Franklin Collection Service collects debt for a wide range of industries, including healthcare, utilities, telecommunications, financial services, furniture stores, and more. It appears that their most prominent clients are DirecTV and AT&T.

However, they also collect for many other entities. If you’ve noticed Franklin Service, Inc on your credit report or you’re receiving phone calls but aren’t sure about the debt they're trying to recover, it’s important to know that you have rights.

An FCRA attorney can help ensure negative items resulting from credit reporting errors are removed as quickly as possible.

How Can I Get Franklin Collection Service Off My Credit Report?

Just because Franklin Collection Service is listed on your credit report doesn't mean it has to stay. Whether you owe the debt and want to pay, or are disputing it, here are some ways to have it removed:

  • Negotiate a Settlement

Speak to Franklin Collection Service and try negotiating a settlement in which you would pay a portion of the debt, and they would remove the item from your credit report.

  • Dispute the Debt

Dispute the debt with the credit bureaus if you believe it is inaccurate. The collection agency must then provide evidence that the debt is valid.

  • Request a Goodwill Deletion

Reach out to Franklin Collection Service and ask for them to voluntarily delete the negative item from your credit report as an act of goodwill.

  • Hire a Credit Repair Company

A reputable company can help you dispute the debt, negotiate with the agency, and follow up with the credit bureaus- ultimately getting Franklin Collection Service off your profile.

  • File a Lawsuit

If applicable, consider taking legal action against Franklin Collection Service for violating any of your consumer rights under FCRA or other laws- this could lead to their removal from your credit report and payment for damages.

It's essential to take action in order to avoid major impacts on your credit score and future applications. Speak with an experienced FCRA attorney before taking any measures, so you know all of your rights and best options.

Is a Pay-For-Delete Possible With  Franklin Collections Service?

A pay-for-delete agreement is an arrangement that can be made between you and the debt collector, Franklin Collection Service, in which the debt will be removed from your credit report upon payment of the total amount. It's possible to negotiate this type of deal with them, but it's not guaranteed- so if they do agree, ensure to get everything in writing for proof of the agreement's existence.

Let Us Help You Remove Franklin Collections From Your Credit Report

Do you feel like Franklin Collection Services treated you unfairly or unlawfully? We’re here to help you dispute invalid debts and ensure they’re taken off your credit report. Additionally, if you believe you owe the debt to this company, our attorneys are here to help you negotiate a favorable debt settlement agreement. Don’t let Franklin Collection Service stay on your credit any longer. 

Contact us today for a free consultation with one of our experienced attorneys.

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review