If CCB Credit Services, Inc. is showing up on your credit report, it typically means a debt has been turned over to collections. Here’s what you need to know and how to work toward getting it removed.
Who Is CCB Credit Services, Inc.?
CCB Credit Services is a debt collection agency based in Springfield, Illinois. They work with creditors to recover unpaid debts or may purchase delinquent accounts directly.
When an account is assigned to CCB Credit Services, it can appear as a collection account on your credit report, which may lower your credit score.
Who Does CCB Credit Services Collect For?
CCB Credit Services collects debts on behalf of companies across several industries, including:
- Automotive financing
- Telecommunications providers
- Healthcare providers
- Utility companies
- Student loan lenders
If you’ve fallen behind on payments to a company in one of these industries, CCB Credit Services may be trying to collect the debt.
Is CCB Credit Services a Scam?
CCB Credit Services is a legitimate debt collection agency. They are authorized to collect debts for their clients. However, always verify the debt before making payments, as incorrect information can appear on your credit report.
How to Remove CCB Credit Services From Your Credit Report
Collection accounts can remain on your credit report for up to seven years, but you may have options to remove them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You have the right to ask CCB Credit Services to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Get the agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay CCB Credit Services?
Before contacting them, make sure the debt is valid and within the statute of limitations. In some cases, making payments on old debts can restart the reporting period and hurt your credit further.
Many people choose to work with credit repair professionals to avoid mistakes when handling collection accounts.
Can CCB Credit Services Sue or Garnish Wages?
Debt collectors like CCB Credit Services can sue for unpaid debts. If they win a court judgment, they may be allowed to garnish wages or take other legal action, depending on your state laws.
That said, lawsuits are often a last resort. Most agencies try to resolve debts through payment plans or settlements before taking legal steps.
CCB Credit Services Contact Information
Address:
CCB Credit Services, Inc.
5300 South 6th Street
Frontage Road East
Springfield, IL 62703
Phone: (800) 252-1772
Complaints About CCB Credit Services
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to provide debt validation
If you believe your rights have been violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With CCB Credit Services Collections
Dealing with collection accounts can be overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
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.
