Oxford Management Services
Also known as OMS, Oxford Management Services was established as a collection agency in 1995. Oxford Management Services is a family-owned, privately held collection agency that has grown dramatically over the last decade. Oxford Management Services has more than 300 employees working at its corporate headquarters in Melville, NY and other regional offices throughout the United States. Oxford Management Services attempts to collect unpaid consumer debt in the financial, healthcare, retail, commercial, government, education, automotive and telecom industries. Oxford Management Services takes an enhanced technological approach to conducting collection operations by making use of items such as predictive dialers, skip tracing applications and Verizon's Web Based Directory Services (WBDS).
Having a low credit score might possibly be a result of federal laws that grant collection agencies the ability to place derogatory marks on your consumer credit file. Even with the approval for the financing you desire, with low credit scores you can guarantee your interest rate will be high. Among many other laws, the Consumer Credit Protection Act allows you to dispute, and potentially remove derogatory items to include charge offs and collection agency marks from your consumer credit file.
My ability to obtain credit and my credit score were being damaged by the numerous collections, late payments, charge offs and judgments being reported on my personal credit file. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Oxford Management Services in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with collection agencies like Oxford Management Services was more time consuming and discouraging than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. Everyone thinks credit repair is not problematical, I quickly learned that it can be.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of one judgement and two collection accounts placed on my credit file by a collection agency similar to Oxford Management Services.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Oxford Management Services. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.
