CAC Financial Corp


Is CAC Financial Corp hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is CAC Financial Corp?

CAC Financial Corp is a debt collection agency located in Oklahoma City, Oklahoma. The company works with creditors to collect amounts owed by consumers.

If you see their name on your credit report, it means that they’ve reported a debt you owe. This debt may have been originally incurred with a different company but has since been transferred to CAC Financial Corp for collection.

Who does CAC Financial Corp collect for?

CAC Financial Corp primarily focuses on recovering debt for entities within the healthcare sector. Their speciality lies in the collection of hospital and healthcare-related debts.

Is CAC Financial Corp legit or a scam?

CAC Financial Corp is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove CAC Financial Corp from my credit report?

CAC Financial Corp collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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CAC Financial Corp Contact Information


CAC Financial Corp
2601 Northwest Expy Ste 1000e
Oklahoma City, OK 73112

Phone number: (800) 299-6304 or (866) 218-8271

Should I contact or pay CAC Financial Corp?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with CAC Financial Corp is to work with a credit repair professional. They help remove millions of negative items every year from companies like CAC Financial Corp on behalf of their clients.

Will CAC Financial Corp sue me or garnish my wages?

CAC Financial Corp may potentially sue a debtor as a last resort to collect unpaid debts. If they win the case, they could potentially have the legal right to garnish your wages or even levy your bank accounts. The specifics depend on the laws of your state, as each state has its own rules about wage garnishment, bank levies, and property liens.

However, before getting to this stage, most collection agencies will attempt to work with you to set up a payment plan or settle the debt.

CAC Financial Corp Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with CAC Financial Corp

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for CAC Financial Corp to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • CAC Financial Corp cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • CAC Financial Corp must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • CAC Financial Corp cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove CAC Financial From Your Credit Report Today!

Credit Saint can help you dispute CAC Financial Corp accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.