If CBS Collections has shown up on your credit report, it likely means you have an unpaid debt that’s been sent to collections. Here’s what you need to know about who they are, what your options are, and how to get them off your report.
Who Is CBS Collections?
CBS Collections, also known as Credit Bureau Services, is a debt collection agency based in Spokane, Washington. They collect past-due accounts on behalf of businesses across a wide range of industries.
If you’re seeing CBS Collections listed on your credit report, it typically means a creditor sent your unpaid account to them for recovery. This could be from an old utility bill, medical service, or even a credit card.
Who Does CBS Collections Work With?
CBS Collections recovers debts for companies in:
- Construction and contracting
- Financial services
- Healthcare and medical offices
- Utility and service providers
- Professional services
- Health and fitness clubs
- Business-to-business industries
Is CBS Collections Legit?
Yes, CBS Collections is a legitimate debt collector. They are licensed and authorized to collect debts on behalf of their clients. But just because a company is real doesn’t mean the debt is valid. Always verify any collection account before taking action.
How to Remove CBS Collections From Your Credit Report
A collections account can drag down your credit score for up to seven years—even after you pay it. But you do have options for getting it removed.
Here are three steps to consider:
- Dispute errors – If the debt is inaccurate, outdated, or not yours, file a dispute with the credit bureaus.
- Request a pay-for-delete – If the debt is valid, you can try negotiating a payment in exchange for CBS Collections removing the account from your report.
- Work with a credit repair professional – If you want help navigating the process, a reputable credit repair company can handle disputes on your behalf.
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Should You Contact or Pay CBS Collections?
Before reaching out or making any payments, make sure the debt is real and reported correctly. If you pay an old debt without confirming the details, you could restart the statute of limitations and do more harm than good.
If you’re unsure how to move forward, working with a credit repair service could be your best option. These professionals deal with collection agencies like CBS Collections every day and know how to negotiate removals.
Can CBS Collections Sue or Garnish Your Wages?
Like most collection agencies, CBS Collections can take legal action to recover debts. If they file a lawsuit and win, they could garnish your wages, levy your bank account, or place a lien on your property—depending on your state’s laws.
That said, lawsuits are usually a last resort. Most agencies are willing to discuss payment plans or settlements long before taking you to court.
CBS Collections Complaints
Consumers have reported complaints about CBS Collections to both the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect account details
- Harassing phone calls
- Failure to provide debt verification
If you’re experiencing similar problems, you have the right to file a complaint with the CFPB or your state attorney general’s office.
Know Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you specific rights when dealing with collection agencies:
- CBS Collections cannot report inaccurate information.
- You can request a debt validation letter to confirm the debt is yours.
- They cannot threaten, harass, or use abusive language.
- They must clearly state that they are attempting to collect a debt.
- They cannot threaten arrest or jail time over unpaid bills.
Get CBS Collections Removed From Your Credit Report
If you’re ready to get CBS Collections off your credit report, Credit Saint can help. They’ve helped clients remove millions of negative items—and they even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.