Who is CCB Credit Services?
CCB Credit Services, Inc. is a debt collection agency headquartered in Springfield, Illinois. They work to recover unpaid debts on behalf of creditors, or may purchase delinquent accounts outright.
If CCB Credit Services appears on your credit report, it usually indicates they are managing a debt you are claimed to owe. This often happens after the original creditor has either transferred or sold the account following a missed payment or default.
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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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. Credit reports can contain errors or list debts that are no longer valid.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 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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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.
Your Rights When Dealing with CCB Credit Services, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- CCB Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- CCB Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- CCB Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove CCB Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing CCB Credit Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
