Monday 8:00AM–9:00PM
Tuesday 8:00AM–9:00PM
Wednesday 8:00AM–9:00PM
Thursday 8:00AM–9:00PM
Friday 8:00AM–9:00PM
Saturday Closed
Sunday Closed


For over 25 years, First Credit Services, Inc. (FCS) has remained a leading provider of business process outsourcing, A/R management, and debt collection services for many of the most recognized brands serving consumers throughout the United States. We pride ourselves in our ability to build effective outsourcing programs to meet the exact requirements of each business partner.


First Credit Services is integrated with dozens of software companies who already service many of our existing business partners. With these seamless integrations, you can expect the transfer of data to be smooth, uninterrupted, and fully compliant with payment card industry (PCI) standards. We’ll manage your collection process, on your behalf, while you see to the day-to-day operations of your business.


FCS has brought effective first and third party collection solutions to over 4,500 clients across the United States. FCS is certified by the National Minority Supplier Development Council (NMSDC) and we serve a broad group of Fortune 500 companies. You can trust our innovative software technology and well-trained team for customer-centered, fully compliant, and seamless collection services throughout the United States.


First Credit Services has earned preferred vendor status with businesses throughout the United States. How? Our A/R management and collection services not only ensure better cash flow, but they also focus on customer service and retention, as well. It’s our goal to maximize dollars collected, while our services help business operations reach their financial goals.

Employer of Military Veterans and their Families

First Credit Services is creating new jobs for military veterans. In fact, one of our operations centers is located in Columbus, Georgia, near Fort Benning. For many years, we have relied on veterans as valued team members here at First Credit Services, and we are proud to support our United States veterans with fantastic training and employment opportunities.

Quality Service and Compliance

It is a fact that QUALITY CONTROL and COMPLIANCE are crucial components of any successful high volume call center or collection operation. You can trust FCS to monitor and audit all customer contact on a regular basis to ensure proper messaging and compliance standards are being met by each and every call-center agent in communication with your valued customers. The education and compliance standards required of our staff are superior aspects of our business model, and help us maintain an extremely high level of quality and compliance.

As an “A Rated” member of the Better Business Bureau (BBB), our business process outsourcing and debt collection services are geared toward professionalism and integrity. FCS is fully compliant with all federal, state, and local debt collection rules and regulations, and FCS is fully licensed and insured to legally collect throughout the entire country.

In 2017, for the fourth consecutive year, FCS was awarded with the national distinction of “Best Call Centers to Work For” by insideARM, a publication of the iA Institute. FCS is also a member of ACA International, an association for credit and collection professionals.

PCI-DSS Compliance: Obtaining this certification ensures a much higher level of protection for the private and financial data First Credit Services is entrusted with every day by our business partners. The attestation of certification (AOC) was issued in 2013 by an authorized third-party auditor certified by the PCI Security Standards Council. The assessment process includes in depth evaluations of essential areas including policies and procedures, along with technical systems that include encryption, patch management, physical/environmental security, data storage, access security, etc.

In short, your customer data is secure with First Credit Services. Our PCI-DSS compliance standards are consistently monitored, reviewed and updated and our certification is renewed on an annual basis.