Cash Store Collections


Is Cash Store Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Cash Store?

Cash Store, which operates under its parent company, Cottonwood Financial, is a prominent lender that specializes in providing short-term financial solutions. Their products include cash advances, installment loans, and title loans. These loan types are often used by individuals needing immediate financial assistance, whether for unexpected expenses, financial emergencies, or other temporary cash shortfalls.

With over 340 locations spread across seven states – Idaho, Illinois, Michigan, New Mexico, Texas, Utah, and Wisconsin – Cash Store is an accessible resource for many seeking prompt financial services.

If you’ve taken out a payday loan or any other form of credit from Cash Store or Cottonwood Financial and failed to repay it according to your agreement, you might see either name listed as a collections account on your credit report.

How can I remove Cash Store Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Cash Store / Cottonwood Financial Contact Information


Cash Store
1901 Gateway Dr.
Irving, TX 75038

Phone number: (888) 950-2274

Should I contact or pay Cash Store Collections?

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 Credit reports can contain errors or list debts that are no longer valid.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 Cash Store Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cash Store Collections on behalf of their clients.

Will Cash Store sue me or garnish my wages?

Cash Store does have the legal right to sue you for an unpaid debt. If they win a lawsuit against you, the court may issue a judgment in their favor, which could potentially lead to wage garnishment, bank account levies, or a lien against your property, depending on the laws of your specific state.

However, it’s important to note that suing a debtor and wage garnishment are often seen as last resort measures for most lenders and debt collectors. These actions are costly, time-consuming, and not guaranteed to result in full debt repayment. As such, Cash Store or Cottonwood Financial may be more inclined to work out a repayment plan with you before resorting to such measures.

Cash Store Collections Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing collection calls, or failure to verify a debt. If a debt collector is harassing you, you may want to 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.

Remove Cash Store Collections From Your Credit Report Today!

Credit Saint can help you dispute Cash Store collections 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.