CCB Credit Services


Is CCB Credit Services hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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


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 can help you dispute CCB Credit Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.