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Debt Questions?

This is a communication from a debt collector.
This is an attempt to collect a debt, any information obtained will be used for that purpose.

Southern Oregon Credit Service is a registered debt collection agency with the State of Oregon.

Ask Doctor Debt is an external web link that provides answers to your credit and debt questions. Ask Doctor Debt was created by the ACA International Education Foundation (a non-profit organization) to provide free and unbiased answers to consumers’ debt questions.

The website has many tools, resources, and tutorials. The site will help you know your rights, fully understand the situation you’re in, and what options are available – this can help you avoid unnecessary stress while making the best decision for you and your family’s financial well-being.

Disputes/Questions about 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, Trans Union, and Experian.

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.”