and Disputes

Southern Oregon Credit Service, Inc. is a debt collection agency. We are attempting to collect a debt. Any information obtained will be used for that purpose.

Southern does not make contact with consumers about their collection accounts via the Internet. You may contact our office at 541-773-6238 or 800-283-0222 or by mail to:

Southern Oregon Credit Service
PO Box 4070
Medford, OR 97501


Disputes/Questions about credit report

Do you have questions about an item on your credit report?

You may send Southern a dispute letter identifying yourself, the account(s) you are disputing, the credit bureau the account is reported to, the reason for the dispute, and all documentation necessary to support your claim.

In order to process your dispute quickly and accurately, you may also want to dispute your account directly with the credit bureau you believe has reported the item in error.

We cannot assist with information reported in the Public Records sections of your credit report. You must deal directly with the credit bureaus on those matters. If this office has been contacted by a credit bureau regarding a dispute, we update those records on a daily basis via the Internet with Equifax and Trans Union.

External Web Links:

If a creditor or lender would like to discuss your matter with us on your behalf to confirm credit reporting balances and account status, please have them fax a signed release allowing us to discuss the matter to:

Bureau Updates 541-773-2743

We do not communicate or negotiate with “Credit Repair Clinics.”