Seeing CBSA Collections on your credit report can be frustrating. Collections hurt your credit score and make it harder to qualify for loans, credit cards, or affordable rates. But you have options to deal with it—and potentially get it removed.
Who Is CBSA Collections?
CBSA Collections, short for Credit Bureau Services Association, is a third-party debt collector based in Stillwater, Oklahoma. They collect overdue debts on behalf of different creditors.
If CBSA Collections shows up on your credit report, it means they’re trying to collect a debt they believe you owe.
Who Does CBSA Collections Work With?
CBSA Collections mainly handles debts in these industries:
- Medical providers: Hospitals, clinics, and healthcare companies
- Utility companies: Electric, water, and other service providers
- Student loan lenders: Schools or companies managing education-related debts
If you’ve missed payments in any of these areas, they may be contacting you.
Is CBSA Collections Legitimate?
Yes, CBSA Collections is a real debt collection agency. They are legally allowed to collect debts for their clients.
That said, always confirm that any debt they contact you about is accurate before agreeing to pay. Scams exist, and even legitimate companies can report incorrect information.
How to Remove CBSA Collections From Your Credit Report
Collections can stay on your credit report for up to seven years, even if you pay them. But there are ways to address the account—and possibly get it removed.
Here’s what to do:
- Dispute errors: Check your credit report for mistakes like incorrect balances, dates, or accounts that don’t belong to you. File a dispute with the credit bureaus if you spot inaccuracies.
- Request debt validation: Send CBSA Collections a written request asking them to prove the debt is yours and the amount is correct. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: Offer to settle the debt in exchange for having the account removed from your credit report. Get any agreement in writing before paying.
- Work with a credit repair company: Professionals can help dispute inaccurate collections and deal with companies like CBSA.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Pay CBSA Collections?
Don’t rush to pay the debt before verifying it. Paying an old or invalid debt can restart the statute of limitations, making it easier for them to take legal action.
Make sure the debt is legitimate, accurate, and still within the legal collection timeframe. If it is, consider negotiating a settlement or working with a credit repair service.
Can CBSA Collections Sue You or Garnish Wages?
Yes, they can. CBSA Collections has the legal right to sue you for unpaid debts. If they win the case, they may be able to:
- Garnish your wages
- Place a lien on your property
- Freeze funds in your bank account
Lawsuits are usually a last resort after other collection attempts, like letters and phone calls, have failed.
Complaints About CBSA Collections
Like many debt collectors, CBSA Collections has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common issues include:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failure to validate debts when requested
If you believe your rights are being violated, file a complaint with the appropriate agency.
Your Rights Under the FDCPA and FCRA
Debt collectors must follow strict laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what those laws protect you from:
- Reporting false or incomplete information about you
- Harassment, threats, or repeated calls
- Deceptive practices or misleading statements
- Publishing your name as someone who owes money
- Threatening arrest or legal action they can’t actually take
You also have the right to:
- Request debt validation within 30 days of being contacted
- Dispute incorrect information with the credit bureaus
- Be treated with fairness and respect
CBSA Collections Contact Information
If you need to send correspondence or verify information, here’s how to reach them:
Mailing Address:
CBSA Collections
P.O. Box 1929
Stillwater, OK 74076
Physical Address:
CBSA Collections
123 W 7th Ave, Suite 300
Stillwater, OK 74074
Phone Number:
(405) 372-1693
Remove CBSA Collections From Your Credit Report Today
Dealing with collections can be overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping clients challenge negative items like CBSA Collections.
They work with the credit bureaus on your behalf to dispute inaccurate or outdated accounts. They even offer a 90-day money-back guarantee, so there’s no risk in seeing how they can help.
Ready to get started? Visit their website or call (855) 281-1510 for more details.

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.