Is 1st Results Billings & Collections, INC. on Your Credit Report?
Short answer: 1st Results Billings & Collections, INC. (1st Results Billings & Collections) is a real, legitimate third-party collection agency based in Billings, MT. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is 1st Results Billings & Collections, INC.?
If 1st Results Billings & Collections, INC. has written to you, the company behind the letter sits in Billings, Montana. Accounts handed to a third-party agency usually still belong to the original creditor, so 1st Results Billings & Collections, INC.'s authority rests on a servicing contract you never signed and are entitled to see. CFPB's database records the complaining consumer's state, not the collector's, so the Billings address above was confirmed separately against 4 independent public sources. More consumers in North Carolina (6 of 9) have filed against it than in Montana, so it evidently pursues accounts well beyond its home state. It responded inside the CFPB's timeliness window on 100% of those complaints. Behind that, problems with the written notice about the debt accounts for 4 further filings. 44% of its complaints closed with non-monetary relief — typically a correction or deletion rather than a refund. The top three consumer states by filing count are NC 6, MA 1, SC 1. Accounts it works most often fall under medical bills, consumer credit accounts, retail and installment accounts. Under the FDCPA you can demand validation in writing within 30 days of first contact.
You may also see this company on your report or in letters as: 1st Results Billings & Collections, RBC.
What most people don't know about 1st Results Billings & Collections:
1st Results Billings & Collections, INC. is named in 9 debt-collection complaints in the CFPB's public database, the single most common being attempts to collect a debt the consumer says is not owed (4 of them, 44%). 4 closed with non-monetary relief rather than a payment. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Why Is 1st Results Billings & Collections on My Credit Report?
1st Results Billings & Collections, INC. typically collects medical bills, consumer credit accounts, retail and installment accounts. A collection like this usually lands on your report because:
- ✅ An original account (a medical bills, for example) went unpaid and was charged off.
- ✅ The account was placed with 1st Results Billings & Collections, INC. to collect on behalf of the original creditor.
- ✅ 1st Results Billings & Collections, INC. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When 1st Results Billings & Collections Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send 1st Results Billings & Collections a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the 1st Results Billings & Collections tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that 1st Results Billings & Collections stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," 1st Results Billings & Collections can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars 1st Results Billings & Collections from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With 1st Results Billings & Collections
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the 1st Results Billings & Collections entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
1st Results Billings & Collections, INC. — Frequently Asked Questions
Is 1st Results Billings & Collections, INC. a scam or a legitimate company?
1st Results Billings & Collections, INC. is a real, registered third-party collection agency headquartered in Billings, MT. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like 1st Results Billings & Collections, so always demand written validation before paying anything.
Why is 1st Results Billings & Collections, INC. on my credit report?
If 1st Results Billings & Collections, INC. has written to you, the company behind the letter sits in Billings, Montana. Accounts handed to a third-party agency usually still belong to the original creditor, so 1st Results Billings & Collections, INC.'s authority rests on a servicing contract you never signed and are entitled to see. CFPB's database records the complaining consumer's state, not the collector's, so the Billings address above was confirmed separately against 4 independent public sources. More consumers in North Carolina (6 of 9) have filed against it than in Montana, so it evidently pursues accounts well beyond its home state. It responded inside the CFPB's timeliness window on 100% of those complaints. Behind that, problems with the written notice about the debt accounts for 4 further filings. 44% of its complaints closed with non-monetary relief — typically a correction or deletion rather than a refund. The top three consumer states by filing count are NC 6, MA 1, SC 1. Accounts it works most often fall under medical bills, consumer credit accounts, retail and installment accounts. Under the FDCPA you can demand validation in writing within 30 days of first contact. It most commonly collects medical bills, consumer credit accounts, retail and installment accounts. It likely appeared after an original account went unpaid and was placed with them for collection. 1st Results Billings & Collections, INC. is named in 9 debt-collection complaints in the CFPB's public database, the single most common being attempts to collect a debt the consumer says is not owed (4 of them, 44%). 4 closed with non-monetary relief rather than a payment. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Can 1st Results Billings & Collections, INC. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported 1st Results Billings & Collections collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if 1st Results Billings & Collections, INC. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay 1st Results Billings & Collections, INC. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to 1st Results Billings & Collections.
How long can 1st Results Billings & Collections, INC. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when 1st Results Billings & Collections, INC. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will 1st Results Billings & Collections, INC. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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