If you’ve spotted CCS Offices on your credit report, you’re likely dealing with a debt collection issue. Whether the debt is yours or not, ignoring it could hurt your credit score for years. Here’s what you need to know—and how to take action.
Who Is CCS Offices?
CCS Offices, also known as Credit Collection Services or The CCS Companies, is a third-party debt collection agency headquartered in Norwood, Massachusetts. They’ve been in business since 1969 and operate nationwide.
If you see CCS Offices on your credit report, it usually means a creditor has sent your unpaid bill to collections.
How CCS Offices Might Show Up on Your Credit Report
CCS Offices could appear under several variations, including:
- ccs companies portsmouth nh
- ccs massachusetts
- ccs offices boston
- ccs offices wellesley ma
- ccs portsmouth nh
- ccs revere, massachusetts
- ccsc offices
- ccsoffices
These are all linked to the same company and indicate an account in collections.
Who Does CCS Offices Collect For?
CCS Offices collects debts on behalf of both private companies and government agencies, including:
- IRS and other government entities
- Banks and insurance companies
- Cable and telecom providers
- Healthcare systems and hospitals
- Retail store credit cards
- Student loan lenders
- Utility companies
If you’ve fallen behind on payments in any of these areas, CCS may be trying to collect on that debt.
Is CCS Offices Legitimate?
Yes—CCS Offices is a legitimate debt collection agency. They’re licensed, regulated, and not a scam. But that doesn’t mean every account they report is accurate.
Always verify any debt before paying. Mistakes happen, and paying on an invalid or outdated debt can reset the clock and hurt your credit even more.
How to Remove CCS Offices From Your Credit Report
A collection account can drag your credit score down for up to seven years. Here’s how to remove it or reduce its impact:
1. Dispute Any Errors
Check all details on the CCS Offices entry—name, amount, account number, dates. If anything looks off, file a dispute with the credit bureaus (Experian, Equifax, and TransUnion). They’re legally required to investigate.
2. Request Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request proof that the debt is valid and belongs to you. Send a debt validation letter within 30 days of first contact.
If CCS Offices can’t verify the debt, they must stop collection efforts and remove the account from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is accurate and recent, offer to pay the amount owed in exchange for CCS Offices removing the account from your credit report. Get the agreement in writing before sending any money.
Keep in mind: not all collectors agree to this, but it’s worth trying—especially if the debt is small.
4. Get Help From a Credit Repair Company
If you’re unsure how to proceed, consider working with a reputable credit repair service. These companies can review your report, send disputes on your behalf, and negotiate with collectors like CCS Offices to remove negative marks.
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 CCS Offices?
Not right away. First, confirm the debt is accurate and still legally collectible in your state. Making a payment can restart the statute of limitations, which gives the agency more time to sue you or report the debt.
If you’re ready to resolve the debt, start with a validation letter—not a phone call.
What Happens If You Ignore CCS Offices?
In most cases, CCS Offices will try to collect through phone calls and letters. But if the debt is large or old enough, they might sue you in court. If they win the case, they could garnish your wages or levy your bank account—depending on your state’s laws.
That said, lawsuits are typically a last resort. Collectors usually prefer to settle or set up a payment plan.
How to File a Complaint Against CCS Offices
If CCS Offices is calling nonstop, refusing to validate a debt, or reporting inaccurate information, you can file a complaint with:
- Consumer Financial Protection Bureau (CFPB)
- Better Business Bureau (BBB)
- Your state attorney general’s office
Keep records of all communication. You have rights under the Fair Credit Reporting Act (FCRA) and FDCPA.
Your Rights When Dealing With Debt Collectors
Here’s what CCS Offices can’t do under federal law:
- Report incorrect or incomplete information
- Harass or threaten you
- Call repeatedly or use obscene language
- Lie about who they are or what they’re trying to collect
- Threaten arrest or legal consequences they can’t follow through on
You can request written proof of the debt, dispute errors, and demand they stop contacting you in writing.
Contact Information for CCS Offices
If you need to send a debt validation letter or formal request, use the contact details below:
Credit Collection Services
725 Canton Street
Norwood, MA 02062-2679
Phone: (617) 965-2000
Need Help Fixing Your Credit?
Removing collection accounts like CCS Offices can be tricky. If you want expert help, consider reaching out to a credit repair company like Credit Saint. They’ve helped thousands of people clean up their reports and rebuild their scores.
Call (855) 281-1510 or visit their website to see if they’re a good fit for your situation.
