Centron Services

Is Centron Services 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 Centron Services, Inc.?

Centron Services, Inc., dba Credit Systems, is a debt collection agency based in Helena, Montana. They work with creditors to collect debts that consumers have not paid.

If Centron Services, Inc. appears on your credit report, it usually indicates an unpaid debt they are trying to collect. This is typically a result of an unpaid bill, loan, or other financial obligation that hasn’t been satisfied.

Who does Centron Services collect for?

Centron Services handles accounts from a broad range of creditors. These can include attorneys, dental and medical practitioners, mental health counselors, entities that charge municipal fees, retail businesses, utility companies, and others.

Essentially, any business or individual who is owed money for services rendered or goods provided may utilize the services of a collection agency like Centron Services to recover the outstanding debt.

Is Centron Services legit or a scam?

Centron Services is a legitimate company. They are legally allowed to collect debts on behalf of their clients. However, they may use persistent communication methods, including repeated phone calls, text messages, or emails, in their efforts to collect a debt.

How can I remove Centron Services from my credit report?

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?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Centron Services, Inc./Credit Systems Contact Information


Centron Services, Inc.
2525 Colonial Dr. Ste C
Helena, MT 59601

Mailing address:

Centron Services, Inc.
P.O. Box 875
Helena MT 59602

Phone number: (800) 223-8112 or (406) 442-3728

Should I contact or pay Centron Services, Inc.?

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 debt, especially if it’s new, and you’re certain that it’s legit.

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

Will Centron Services, Inc. sue me or garnish my wages?

Centron Services, Inc. is entitled to sue you to recover unpaid debts. If they decide to take legal action and win their lawsuit, they could potentially garnish your wages or levy your bank account, depending on the laws of your specific state. It’s important to note, though, that lawsuits are typically a last resort for most debt collection agencies, as they can be time-consuming and costly.

Centron Services, Inc. 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 you are being harassed by Centron Services, you should also consider filing a complaint. Centron Services currently has an A+ rating with the Better Business Bureau.

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 Centron Services, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Centron Services, Inc. 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Centron Services, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Centron Services 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.
  • Centron Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Centron Services From Your Credit Report Today!

Lexington Law can assist you in disputing Centron Services collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.