Central Portfolio Control

Is Central Portfolio Control hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Central Portfolio Control?

Central Portfolio Control, Inc. (CPC) is a nationally licensed collection agency located in Minnetonka, Minnesota. They specialize in acquiring and managing delinquent consumer accounts from the original creditors.

If you see Central Portfolio Control listed on your credit report, it generally signifies that you have a debt that has not been paid, which CPC is now handling.

Who does Central Portfolio Control collect for?

Central Portfolio Control is known for offering collection services to a variety of industries. This includes, but is not limited to, auto loans, commercial accounts, construction & contractors, credit cards, equipment leasing, Homeowner Associations, mortgages, overdraft DDA (Demand Deposit Account), and student loans.

Is Central Portfolio Control legit or a scam?

Central Portfolio Control is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Central Portfolio Control from my credit report?

Central Portfolio Control 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.

Central Portfolio Control, Inc. (CPC) Contact Information


Central Portfolio Control, Inc.
10249 Yellow Circle Drive Suite 200
Minnetonka, MN 55343

Phone number: (800) 670-2545 or (800) 331-0081

Should I contact or pay Central Portfolio Control?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will Central Portfolio Control sue me or garnish my wages?

Central Portfolio Control (CPC) can legally sue you for an unpaid debt. If they successfully obtain a judgment against you, they may then have the ability to garnish your wages, or take other actions depending on your state’s laws.

However, it’s important to note that these actions are typically last-resort measures. Legal proceedings can be costly and time-consuming, so most debt collectors prefer to work out a payment plan before resorting to legal action.

Central Portfolio Control (CPC) 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 Central Portfolio Control

Central Portfolio Control must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Central Portfolio Control to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the third-party 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.
  • Central Portfolio Control may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Central Portfolio Control 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.
  • Central Portfolio Control cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Central Portfolio Control From Your Credit Report Today!

Credit Saint can assist you in disputing Central Portfolio Control 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.