About Valley Credit Service Inc. – Debt Recovery with Integrity Since 1936

Our Legacy – Nearly 90 Years of Excellence Serving Keizer/Salem, the Willamette Valley, and the entire State of Oregon.

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In an industry often viewed through a lens of tension and conflict, Valley Credit Service Inc. has carved a path built on trust, transparency, and long-term relationships. Established in 1936 in Salem, Oregon, what began as a modest local operation has grown into a deeply respected name in professional debt collection and accounts receivable management.


Over the decades, our company has remained privately owned and rooted in the belief that collections should never compromise compassion. While many agencies focus solely on percentages and pressure, we focus on people — both the businesses we serve and the customers we engage with.


What sets us apart isn’t just how long we’ve been doing this — it’s how we’ve done it. For almost 90 years, we’ve helped hundreds of organizations stabilize cash flow, recover revenue, and maintain positive reputations across industries and communities.

Our Mission and Philosophy

Professional Results. Ethical Approach. People-First Service.

We believe that collections can be both effective and respectful. At Valley Credit Service Inc., our mission is simple: help businesses recover what they’re owed without sacrificing customer relationships or brand reputation.

We take pride in being more than just a collection agency — we’re a partner in your financial stability. Every call we make and every strategy we implement reflect your business values. Our clients trust us not only because we get results, but also because we never cut corners to get there.

Values That Guide Our Work

  • Integrity: Uncompromising integrity from start to finish.
  • Accountability: We own the outcomes — good or bad — and continuously improve.
  • Empathy: We treat everyone we speak with—clients and consumers—with dignity.
  • Excellence: We strive for high performance across every touchpoint.
  • Compliance: We rigorously follow all federal and state regulations, including HIPAA, FDCPA, REGULATION F, and FCRA guidelines.
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Supporting Businesses Across Oregon and Beyond

Our client base spans industries, sectors, and business sizes—but they all share one thing in common: they want to partner with an agency that values professionalism as much as performance.

We proudly serve:

  • Healthcare Providers – including hospitals, clinics, and dental practices
  • Government Agencies – at the city, county, and state levels
  • Financial Institutions – including credit unions, mortgage firms, and loan providers
  • Utilities and Telecom Providers – water, power, internet, and beyond
  • Retailers and E-commerce Businesses – seeking improved consumer collections
  • Professional Service Firms – such as law practices, consultants, and agencies

No matter the size of the organization, we tailor our approach to meet your specific operational, compliance, and customer service standards.

Who We Serve

Our Team Makes the Difference

When you work with Valley Credit Service Inc., you're not working with a call center — you're working with a team of dedicated professionals who care deeply about what they do.


Our staff undergoes continuous training in compliance, communication, and industry-specific recovery strategies. Many of our team members have been with us for years—and it shows. The level of consistency, attention to detail, and empathy they bring to each interaction is what turns first-time clients into long-term partners.


We’re proud to be locally operated here in Keizer, OR, but our team’s capabilities, infrastructure, and systems rival national competitors.

Built on History, Focused on the Future

As we approach our 90th anniversary, we’re embracing innovation while remaining grounded in our founding values. From cloud-based secure portals to advanced reporting and analytics, we continue to invest in tools that improve the client and consumer experience.

But technology alone doesn’t define us — our commitment to ethical recovery, personalized service, and relationship-driven work always comes first.

Let’s Write the Next Chapter Together

If your business is ready for a smarter, more respectful way to handle collections, we’d be honored to be your partner. Reach out to discover how we can support your revenue goals with clarity, care, and confidence.