CCB Credit Services

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Is CCB Credit Services 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 CCB Credit Services?

CCB Credit Services, Inc. is a debt collection agency based in Springfield, Illinois. Their role is to collect unpaid debts on behalf of various entities.

If you see CCB Credit Services listed on your credit report, it typically means they have been assigned or have purchased a debt that you allegedly owe. This usually happens when a bill or debt has been defaulted on and the original creditor has transferred or sold the debt to a collection agency like CCB Credit Services to recover the funds.

Who does CCB Credit Services collect for?

CCB Credit Services collects debts for a wide variety of companies in numerous industries. These include automotive financing, telecommunications, healthcare providers, utility companies, student loans, and others. Their role is to recover unpaid debts on behalf of these businesses.

Is CCB Credit Services legit or a scam?

CCB Credit Services is a legitimate company. However, their persistent and sometimes aggressive communication methods, which can include repeated phone calls, texts, or emails, can be perceived as intrusive or as spam. Despite these practices, they are a legitimate business.

How can I remove CCB Credit Services from my credit report?

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.

(While debt collectors may not want this information to be 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 work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.

CCB Credit Services, Inc. Contact Information

Address:

CCB Credit Services, Inc.
5300 South 6th Street
Frontage Road East
Springfield, IL 62703

Phone number: (800) 252-1772

Should I contact or pay CCB Credit Services?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will CCB Credit Services sue me or garnish my wages?

Like other debt collection agencies, CCB Credit Services has the ability to sue for unpaid debts. However, this is generally considered a last resort due to the time, cost, and resources involved. If CCB Credit Services chooses to sue and wins a judgement against you, they could potentially garnish your wages, depending on your state’s laws.

CCB Credit Services, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with CCB Credit Services, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for CCB Credit Services 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • CCB Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • CCB Credit Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • CCB Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove CCB Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing CCB Credit Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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