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How to Remove Fox Collection Center From Your Credit Report

Sarah Edwards | February 06, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Having a collection account on your credit report can get in the way of your financial future. If you’ve found Fox Collection Center on your report, follow these steps from SoloSuit to remove it and start rebuilding your credit.

It’s always smart to keep an eye on your credit report. But if you take a look at yours and see a collection account under Fox Collection Center, it’s easy to panic. Don’t! If you’ve been searching around for “Fox Collection Center remove from credit report,” SoloSuit has your answer.

What is Fox Collection Center?

Fox Collection Center is a debt collection agency located at 454 Moss Trail, Goodlettsville, TN 37070. They’re one of the older debt collectors out there — they were founded in 1950! If you need to contact the company, the Fox Collection Center phone number is (615) 859-2891.

Fox appears to be a bit of a jack of all trades and a master of none when it comes to collecting. According to its website, it handles various types of debt, from utility payments to medical bills. The Fox Collection Center photos we found showed a small office, so this doesn’t seem to be a huge company.

Below, we’ve included a photo of the Fox Collection Center office in Goodlettsville, TN:

What do Fox Collection Center reviews say?

The Fox Collection Center reviews we found weren’t bad, with an average rating of 2.6 out of 5 stars on Google reviews.

However, according to its Better Business Bureau (BBB) profile, Fox has had 50 complaints in the past three years, 14 of which were in the last 12 months (as of January 6, 2024). Many of those complaints claimed that Fox didn’t validate debts when asked. The company has a BBB rating of A+.

There were no complaints filed with the Consumer Financial Protection Bureau (CFPB) as of 2024.

Let’s take a look at some real Fox Collection Center reviews below.

If you’ve searched “Fox Collection Center scam” to see if the company’s legit, you might be disappointed to hear that it is. There’s some upside, though: we wouldn’t say that there’s such a thing as an ethical debt collector, but Fox comes closer than most.

Make Fox Collection Center prove you owe money

If you’ve been frantically searching, “Fox Collection Center remove from credit report,” you might think you just need to pay the debt as soon as possible to make it go away. But did you know you might not have to pay at all?

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask a debt collector to prove that you owe a debt. If a collector doesn’t validate the debt, you aren’t legally responsible for it.

So, the best way to remove Fox Collection Center from your credit report is to force them to validate the debt and then dispute any invalid aspects of it.

To request that validation, you need to send a document called a Debt Validation Letter (don’t call the Fox Collection Center phone number). Make sure you ask for the following in your letter:

  • The original creditor.
  • How much you allegedly owe.
  • A copy of the contract between you and the initial creditor.
  • The last transaction on the account.
  • Proof that Fox Collection Center is authorized to collect the debt.
  • Proof that Fox Collection Center is licensed to operate in your state of residence.

Make Fox Collection Center validate your debt.

Check out our video guide to creating a Debt Validation Letter in two easy steps:

What if Fox Collection Center can show you owe the debt?

Once you’ve sent off your Debt Validation Letter, the best-case scenario is if Fox Collection Center doesn’t respond. That might mean they don’t have the documentation needed to back up the debt.

It also might mean that they don’t want to take the time to validate the debt. Collection companies often have enough people paying without asking questions. They don’t want to waste time providing debt validation to the handful of people who ask for it.

However, if Fox Collection Center does validate the debt, you have a choice to make. It’s worth exploring a pay-for-delete. This is when you get in touch and offer to repay the debt — but only if the collection agency will remove the account from your credit report.

It doesn’t always work, but it can help preserve your credit. Even after you’ve paid them off, collection accounts on your report can significantly lower your score.

Negotiating a pay-for-delete can be complicated. Let’s consider an example.

Example: Thomas gets a copy of his credit report and sees that Fox Collection Center says he owes $300. He uses SoloSuit to send the company a Debt Validation Letter, and much to his dismay, Fox Collection Center proves that he actually owes the money. Thomas doesn’t want this impacting his credit for years, so he sends the company a letter (through certified mail) offering to pay the debt in full only if it’s removed from his report. The center sends a letter back agreeing to the arrangement, and Thomas makes a payment. He continues to monitor his credit report. If the collection account comes off within a few weeks, Thomas can get on with his life. If it remains, he can contact Fox Collection Center to remind them of their arrangement.


If you can’t pay the debt in full, you might consider requesting a payment plan. Debt collectors might be scummy, but they at least will often work with you if you’re willing to pay them. Whatever you do, don’t ignore the issue. If you continue to refuse to pay, Fox Collection Center might file a debt collection lawsuit against you.

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What if the account is still on your credit report after you’ve paid?

Unfortunately, paying off a debt doesn’t mean it won’t come back to haunt you; most collection accounts remain on your report for seven years. But in some cases, you can have them removed.

If you’ve already paid Fox Collection Center and the collection is still on your report after a few weeks, you can request a “goodwill deletion.” This is when you ask a collection agency to remove the account from your credit reports.

It’s solely up to the agency, so make sure you’re polite in your request! Like all communication with debt collectors, this request should be in writing — emailing is easiest.

Don’t let Fox Collection Center damage your financial future

Having a collection account on your credit report can be stressful, but it doesn’t have to impact you forever. When you face the debt collector head-on (with a little help from SoloSuit), you can resolve the problem and get on with your life.

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