Reimagining Collections and Modernizing Engagements

Changes in consumer behaviors and technological advances are shifting how people communicate and interact with businesses. Traditional collection and engagement methods are out of date and so are most agencies. First Credit Services has invested millions in reimagining how we interact with consumers and utilize AI tools to build custom collection strategies. We’ve effectively opened the lines of communication for all generations, making it easier for consumers to connect and make payments.


Why We Are The
Future of Collections!


Our revolutionary Omni channel platform provides consumers the freedom to choose how they interact with us delivering personalized experiences and remarkable engagements.


Our “Contact Optimization” machine learning engine creates a customized strategy to know who, when, and how to contact consumers. EngageRight provides our clients with some of the highest reach and recovery rates in the industry.

Our People

Voted as the best place to work in collections, FCS hires, trains, and retains the best agents in the business


Our Services

First Party Collections

Having an effective early intervention strategy is the best way to lower your roll rate, reduce the amount of bad debt you send to collections, 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 world-class collection expertise provides a customer-oriented, cost-effective, and personalized approach to target and collects from customers in their earlier stages of delinquency


Third Party Collections

Partnering with the right Collections Agency can make a significant difference to your bottom line.  At FCS, we understand how important an effective collections strategy is to the running of your business.  We invest heavily in state-of-the-art consumer centric systems that provide convenient and inviting experiences which produce some of the highest recovery rates in the industry.

As a nationally licensed Collections Agency we take compliance seriously and have dedicated departments for both training and compliance. These resources ensure that all agents meet proper messaging and compliance standards while communicating with your valued customers.

Business Process Outsourcing

We understand that mindful communication with consumers is the key to success during the first contact and beyond. In addition to helping consumers feel more individually appreciated and in control, our customer-centric strategies make each engagement more valuable. Our expert staff who are trained in the art of customer engagement and our ability to leverage advanced technologies ensure that you get the best customer engagement services for all your needs.

Extended Business Office

We offer a wide range of services designed to be a true extension of your billing office. Our extended business office services provide you all the assistance you need. We review your processes, identify trends, and provide highly effective solutions. FCS collaborates with you to streamline workflow, increase account resolution, maximize future collections and deliver effective results.



Industries we serve

Automotive Finance

Automotive Finance

Bankcard and consumer loans

Government & muncipal

Health & Fitness

Medical & Healthcare


Commercial Lending


Our experience is our difference



Years in business

Fortune 500

Client Base
A Rated
rating by Better Business Bureau


Calls Annually

Nationally Licensed


Our certifications

First Credit Services, Inc, Collections Agencies, Columbus, GA


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