Central Portfolio Control


Is Central Portfolio Control hurting your credit score?

Schedule a free consultation to learn how to 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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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.

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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?

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 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

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 Central Portfolio Control

Central Portfolio Control must abide by state and federal laws in the United States. 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Central Portfolio Control cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Central Portfolio Control 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.
  • Central Portfolio Control cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Central Portfolio Control From Your Credit Report Today!

Credit Saint can help you dispute Central Portfolio Control 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

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