Who Called From 866-699-7889?
Short answer: 866-699-7889 is a number used by Security Credit Services (Security Credit), a debt buyer based in Oxford, MS — main consumer line. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 866-699-7889?
The number 866-699-7889 is used by Security Credit Services (main consumer line), a debt buyer in Oxford, MS. For the full company profile — ownership, history, and known aliases — see our complete Security Credit Services guide. This page focuses on the calls coming from 866-699-7889 specifically.
About this specific number
- 📞 Number: 866-699-7889 (area code 866, ending in 7889)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: Security Credit Services, a debt buyer in Oxford, MS.
- 🔢 Related lines: Security Credit Services is documented using 2 numbers in our directory, so calls may also come from other digits.
866-699-7889 is a toll-free number, which collectors like Security Credit use for high-volume inbound and outbound calling.
Some carriers display 866-699-7889 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Security Credit Services.
On your caller ID, in voicemails, or in letters, this company can also appear as: Security Credit, SCS, Security Credit Services LLC.
Why Is Security Credit Calling Me From 866-699-7889?
In our directory, 866-699-7889 is tracked as a main consumer line for Security Credit Services, which typically collects credit card debt, personal loans, retail accounts. A call from 866-699-7889 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to Security Credit Services, which now owns the debt and is trying to collect the full balance.
- ✅ Security Credit Services is now dialing you from 866-699-7889 and possibly other lines to reach a resolution.
Calls from 866-699-7889 often come right after a billing cycle closes. Some people report that 866-699-7889 calls once and hangs up, then tries again from a different Security Credit Services line hours later. A single missed call is not proof of a valid debt. When 866-699-7889 shows up on your caller ID, it is worth checking whether the Security Credit Services account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Security Credit Services prove the credit card debt in writing first.
Important: a phone call — even from a real number like 866-699-7889 — does not prove you owe the debt, that the amount is correct, or that Security Credit Services can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 866-699-7889
Anything you say to Security Credit can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 866-699-7889 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Security Credit Services.
Don't agree to a payment on the spot
A single payment to Security Credit Services — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 866-699-7889.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 866-699-7889. Any legitimate Security Credit Services resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 866-699-7889 caller. If it truly is your Security Credit Services account, they should already have what they need and must prove it.
What To Do If 866-699-7889 Keeps Calling
Here are concrete next steps for this specific Security Credit Services line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 866-699-7889 as a contact labeled "Security Credit Services — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 866-699-7889 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Security Credit Services identify the original creditor behind the 866-699-7889 calls and the date the debt was opened.
Your Rights When Security Credit Calls From 866-699-7889
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Security Credit a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Security Credit Services reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 866-699-7889: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Security Credit Services stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Security Credit generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Security Credit from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 866-699-7889
We investigate the specific Security Credit Services account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Security Credit account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Security Credit Services. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
866-699-7889 — Frequently Asked Questions
Who is calling me from 866-699-7889?
866-699-7889 is a toll-free line associated with Security Credit Services (also seen as Security Credit), a debt buyer headquartered in Oxford, MS and operating since 1994. The number resolves to a toll-free line. If you received a call from 866-699-7889 — often showing the last four digits 7889 on your screen — it is very likely Security Credit Services attempting to reach you about a debt they say you owe, most often credit card debt, personal loans, retail accounts.
Is 866-699-7889 a scam number?
Security Credit Services is a real, registered company, and 866-699-7889 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Security Credit, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 866-699-7889?
You are not legally required to answer 866-699-7889 or call Security Credit Services back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Security Credit Services must pause collection until it mails you proof of the debt.
Why is Security Credit Services calling me about credit card debt?
A call from 866-699-7889 usually means an original credit card debt went unpaid and was sold to Security Credit Services, which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Security Credit Services from calling 866-699-7889?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Security Credit Services to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 866-699-7889 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Security Credit Services is calling about?
Do not pay anything based on a call from 866-699-7889 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Security Credit Services
Other phone numbers used by Security Credit Services:
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