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What is First Federal Credit Control?
First Federal Credit Control, Inc. is a debt collection agency based in Cleveland, Ohio that was established in 1970. 1 They collect debt for municipal government agencies and companies in various industries. 2
In addition to standard debt collection, First Federal Credit Control also provides the following services:
- Data mining
- Customized letter writing
- Payment plan management
- Account management
- Credit reporting
Other companies with similar names
Be careful not to confuse First Federal Credit Control with Federal Credit & Collections (another debt collector).
You should also distinguish First Federal Credit Choice from Choice Recovery Inc., which is a company that’s affiliated with First Federal that formerly operated as FFCC-Columbus, Inc. and FFCC Columbus, Inc. 1 3
Who does First Federal Credit Control collect for?
First Federal Credit Control collects consumer and commercial debt for the following businesses and institutions: 2
- Healthcare providers, including dentists
- Utility providers
- Other businesses, such as fitness centers
- Telecommunications companies
- Financial institutions
- Municipal government agencies 4
More specifically, First Federal Credit Control collects the following types of debt:
- Medical bills
- Commercial debts, especially owed by small businesses
- Retail debts
- Utility bills
- Cable, satellite, phone, and internet bills
- Debts owed to municipalities, such as fines
Is First Federal Credit Control a scam?
No, First Federal Credit Control isn’t a scam. They’re a legitimate debt collection agency, and they’ve been a member of ACA International since 1976. 5 However, that doesn’t mean they’ll always act ethically—many debt collectors will use high-pressure tactics to get you to pay, and it’s important to be on your guard against them.
What’s more, scammers may claim to represent First Federal Credit Control when they contact you. For this reason, it’s important to verify what debts you owe before making any payments. To do this, contact First Federal directly using the contact information below.
First Federal Credit Control may still behave unethically
Even though First Federal Credit Control isn’t a scam, it’s possible they’ll still do something that violates your rights under the Fair Debt Collection Practices Act (FDCPA). Your rights (and how you can enforce them) are outlined further down in this article.
VIDEO: First Federal Credit Control in 2 Minutes—Fix Your Credit Report & Know Your Rights
Medical collections vs. non-medical collections
First Federal Credit Control often deals with medical bill collections. Medical and non-medical collections have some key differences in terms of how the debt is handled by debt collection agencies, the credit bureaus, and the main scoring models.
If you see medical debt on your credit report, there are a few implications you should be aware of:
- Your debt is already several months old: Medical institutions usually wait 60–120 days before selling your debt to debt collectors. 6 After that, the credit bureaus wait an additional 180 days before adding the collection account to your report to give you time to make arrangements with your insurance company or set up a payment plan. 6
- First Federal Credit Control probably owns your debt: Medical institutions don’t generally report to the credit bureaus. For this reason, the fact that your debt is showing up on your credit report indicates that it was sold to a company that does report to the credit bureaus.
- Medical collections aren’t as harmful to your credit: Although medical bills do affect your credit score if they’re sent to collections, in newer credit scoring models developed by FICO and VantageScore (specifically FICO 9 and VantageScore 4.0), medical collections don’t hurt your credit score as much as non-medical collections. 7 8
Why is First Federal Credit Control calling me?
The reason debt collectors call you is that they believe you have an outstanding debt. When First Federal Credit Control calls, ask them to send a written notice detailing the debt they’re collecting, known as a debt validation letter, if they haven’t already.
In accordance with the FDCPA, all debt collectors are required to send this letter within 5 days of first contacting you. 9 It must contain the following information:
- The amount you owe
- Your name
- A statement informing you of your right to dispute the debt within 30 days of receiving their letter
- A statement informing you that if you dispute the debt in writing, they must mail you evidence of the debt within the 30 days
- A statement informing you that within 30 days after you’ve received the letter, you can send them a written request to provide the name and address of the lender or healthcare provider that sold them the debt
First Federal Credit Control representatives will keep trying to contact you unless you either pay the debt or reach an agreement with them.
However, there are restrictions on how they can go about contacting you.
Restrictions on First Federal Credit Control
- Call you multiple times per day
- Call you at night (before 8 am or after 9 pm, your time)
- Call you at work if you tell them you can’t receive calls at work
- Make automated calls or send pre-recorded messages telling you to make payments
- Contact any third party, including your family, friends, or coworkers, to discuss your debt
- Intimidate you or threaten to harm you, sue you, arrest you, or damage your credit
- Lie about your debt and try to collect more than you owe
- Accuse you of breaking the law or claim that not paying might result in jail time (you can’t go to jail over unpaid debt, unless you owe money to the IRS because you intentionally committed tax fraud)
It’s a good idea to familiarize yourself with your rights by reading the FDCPA and Telephone Consumer Protection Act.
Can I sue First Federal Credit Control for harassment?
Yes, you can sue First Federal Credit Control for harassment. If you can show that the debt collection company has violated your rights under the FDCPA, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. 9 First Federal Credit Control will also be required to pay your attorney fees and court costs.
How to file a complaint against First Federal Credit Control
If First Federal Credit Control has violated your rights under the FDCPA or done something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue First Federal Credit Control.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to First Federal Credit Control, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take First Federal Credit Control to court.
How to get First Federal Credit Control off your credit report
If your credit score is suffering as a result of First Federal Credit Control debt, then don’t worry. You can get medical collections removed from your credit report by following these steps:
- Tell First Federal Credit Control to stop calling you
- Ask your insurance provider to cover your debt
- Send a debt verification letter
- Send a credit dispute letter
- Request a goodwill deletion
- Negotiate “pay for delete”
- Negotiate a debt settlement
- Get help from a credit expert
Everyone should follow the first three steps. The ones after that are situational, and you should follow the ones that are appropriate for your circumstances.
Before you do anything else: Ask First Federal Credit Control to stop calling you
It’s important to keep a paper trail of all your communications with First Federal Credit Control, so make sure to only communicate with them in writing. Make sure to date your letters and send them by certified mail. If you’re not sure where to start, then check out the sample letters provided by the CFPB.
If you ask First Federal Credit Control to stop contacting you altogether, then they’re legally obligated to do so. 9 However, ignoring debt collectors can have negative consequences—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or you get the best deal you can.
If you owe medical debt: Ask your insurance provider to cover it
As part of the National Consumer Assistance Plan (an initiative launched by the three major credit bureaus), any medical collections that have been paid or are currently being paid by your insurance company will be removed from your credit report. 10
If you pay off the debts yourself, then First Federal Credit Control could stay on your credit report for up to 7 years. However, if you have health insurance and can work something out with your insurance provider and get them to pay it off, then Experian, Equifax, and TransUnion will remove the collection account from your credit reports.
If that doesn’t work: Send a debt verification letter
Sending a debt verification letter asking the collection agency to provide evidence of your debt is one of the quickest and easiest ways of getting rid of a debt item in your credit history. It’s also an easy way of figuring out if the debt collector is a scam agency.
When you send a debt verification letter, third-party collectors like First Federal Credit Control are legally required to show evidence that you have an outstanding debt. If they can’t do that, then they have no choice but to delete it from your records. 11
Once First Federal Credit Control receives your debt verification letter, they’re also required by law to stop contacting you about your debt until they’ve sent you evidence that you actually owe it. 9
Debt collection agencies sometimes don’t have adequate evidence, whether you owe the listed amount or not. If First Federal Credit Control isn’t able to verify your debt (or if you discover that the debt is more than a few years old), then proceed to the next step.
On the other hand, if it turns out that your debt is both legitimate and recent, then proceed to one of the steps after that, depending on your circumstances.
If the debt is old or invalid: Send a credit dispute letter to the three credit bureaus
You can write a credit dispute letter to Experian, Equifax, or TransUnion to delete the collection account from your credit report if the debt is an error or it’s past the 7-year credit-reporting limit.
When you dispute the item on your credit report, make sure to send along any supporting documentation that you have on hand. Credit bureaus have 30 days to respond to your dispute. If they don’t, then they’re legally obligated to remove the debt item. 11
If your debt is invalid or time-barred (meaning it’s passed the statute of limitations on debt in your state), then you can also send First Federal Credit Control a letter telling them to stop contacting you. However, this doesn’t affect the status of your debt, so it’s not a good idea if your debt is still current.
How to tell if your debt is past the statute of limitations
The statute of limitations on most debts is between 3 and 6 years, but this depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
If you’ve already paid the debt: Request a goodwill deletion
It may be possible to get a paid collection account removed from your credit report by asking for something called a goodwill deletion or goodwill adjustment.
To do this, send a goodwill letter to First Federal Credit Control explaining the circumstances that led to your delinquency. This is usually only an option if you’ve already paid the debt in full.
You’ll want to include any supporting evidence or documentation you have, including:
- An explanation for why you didn’t pay your bill
- Records demonstrating that you usually pay your debts
- Examples of how the negative mark is affecting your life, such as making it difficult for you to take out a mortgage
You can also call First Federal Credit Control on the phone, although there’s a chance that the person you end up speaking to won’t have the authority to make changes to your records.
It’s important to bear in mind that sending a goodwill letter is a long shot, and the company you speak to is under no obligation to change your report. However, it doesn’t cost you anything, so there’s no reason not to try.
If the debt is recent and unpaid: Negotiate “pay for delete”
If you still owe the debt and it’s too soon to get it removed from your credit report, you’ll probably have to pay it. However, you might be able to convince First Federal Credit Control to remove their record of your debt after you’ve paid it by sending a pay-for-delete request.
A pay-for-delete request is different from a goodwill letter because it applies to debts that you haven’t yet paid off. It’s a negotiation where you agree to pay off your debt, and in return, First Federal Credit Control promises to remove the negative mark on your credit report that’s associated with it.
The first step is to use a pay-for-delete letter template to draft your letter and send it to First Federal Credit Control. It’s very important to get written confirmation that they’ll remove the collection from your credit report once you’re all paid up.
Once you’ve received written confirmation from First Federal Credit Control and paid your debt, you should monitor your credit reports to make sure that they follow through. If the collection account is still on your credit report in a couple of months, then follow up with them and use the letter they sent you to remind them of their obligation.
If the debt is old and unpaid: Negotiate for a debt settlement
If your debt is already fairly old, then there’s a chance that First Federal Credit Control will accept less than the full amount you owe (a practice known as debt settlement) in order to minimize their losses. The reason for this is simple: they know that older debts are harder to collect payments for.
According to a report published in 2021 by the Congressional Research Service, “In general, debt collectors expect to collect only a fraction of the face value of any particular debt, knowing that some consumers will never pay back their debts in full.” 12 First Federal Credit Control almost certainly bought your debt for only a small fraction of what you originally owed, meaning that they’ll make a profit even with a debt settlement.
Before trying to settle medical collections, you should carefully review your financial situation and come up with a realistic amount to offer. If you want, you can negotiate through a debt settlement agency, but be wary of scammers and avoid companies that charge you large amounts upfront.
Alternatively, you can just speak to someone from First Federal Credit Control over the phone. However, you should make sure to get the agreement in writing before you make any payments.
Bear in mind that debt settlements still hurt your credit score, and like most other negative marks, they’ll remain on your credit report for up to seven years. 13 With that said, lenders will probably look more favorably on a settled debt than a debt in collection.
If you feel overwhelmed: Get help from a credit repair company
If you feel like you might be in over your head, then seek professional assistance from a credit repair expert to remove First Federal Credit Control collection items from your credit report. This can save you time and help you avoid the frustration of trying to remove their negative marks on your own.
Ultimately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to First Federal Credit Control, it will probably remain on your credit report unless you can persuade the collection agency to remove it.
Learn more about First Federal Credit Control’s impact on your credit score:
- Does paying off collections improve your credit score?
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections