Auto Loan Delinquency or default Collection

The #1 Agency for Automotive loan collections

We are Auto Loan collection experts!

For over 25 years, First Credit Services has been assisting some of the largest auto lenders in the country recover their loan and lease receivables. Founded as an auto finance delinquency or default collections agency in 1993, FCS has amassed the experience you’d expect from a Tier 1 agency and built a strong reputation in both the prime and subprime lending market. We accomplished this by building and maintaining a robust team of expert agents that understand auto loan collections and incorporating a data-driven approach with state-of-the-art technology. Our robust training programs and customer segmentation/workflow strategies enables us to identify, prioritize, and follow up on default accounts making FCS the best auto loan collections agency in the industry.


First-Party (Early Stage Collection)

Having an effective early intervention strategy is the best way to  reduce auto loan delinquencies and improve customer loyalty.  Our OmniXp platform enables us to connect early with your past due accounts and work with them to find the appropriate resolution.

Our First-Party Services:

  • Presents itself as members of your team, not First Credit Services.
  • Scales easily to the demands of your department.
  • Seamlessly integrates with your systems.
  • Improves customer relations and lowers overall auto loan delinquency.
Third-Party Collections

First Credit Services has reimagined automotive collections by modernizing traditional methodologies. We’ve spent millions investing in technologies like our OmniXp contact platform and our EngageRight machine learning engine. Together these powerful tools optimize our right contact rates and provide consumers the freedom to connect and pay through the medium they prefer.

There’s a reason why some of the largest auto finance companies in the world choose First Credit Services as their collections partner.

  • Up to the minute Skip Tracing technology.
  • Nationally licensed with global reach.
  • PCI DSS Level 1 and SOC 2 Type II Complian
  • Omnichannel engagement approach (OmniXp).
  • EngageRight, machine learning engine that builds custom data-driven strategies
  • Some of the most experienced agents and management in the industry.

"We have very strict requirements in place that need to be met by our collection vendors. FCS checked all our boxes and continue to pass our ongoing compliance and regulatory audits. We also set very aggressive collection goals for our Third-Party Agencies. FCS has always met or exceed those targets. I highly recommend FCS for your collection needs."

  • Director of Collections – Fortune 500 Auto Finance Company

"FCS has been our EBO partner for over 5 years. Since working with them, our hospital has realized significant drops in our dispute resolution times and the amount of bad debt we send to collections. They’ve truly mastered the art of navigating insurance claims and patient reimbursement. We look forward to working with them for many more years. "

  • Director of Collections – Fortune 500 Auto Finance Company

"Our company has been through a few collection agencies over the years with my business and we are overjoyed with this agency. They collect so much more than any other collection agency I have worked with. But on top of them recovering a good chunk of past revenue, many of our patients who FCS has contacted have continued to stay loyal and come back to our office in the future with positive experiences. We are glad that they are respecting our patients when trying to collect money from them. "

  • Director of Collections – Fortune 500 Auto Finance Company


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