If CKS Financial shows up on your credit report, it likely means they’re trying to collect a debt. Collections can lower your credit score and stay on your credit report for years—but there are ways to deal with it.
Who Is CKS Financial?
CKS Financial, also known as Webcollex, is a debt collection agency based in Chesapeake, Virginia. They buy delinquent debt and collect unpaid balances on behalf of other companies.
If you see CKS Financial listed on your credit report, they believe you owe money and have either purchased the debt or are collecting it for another business.
Who Does CKS Financial Collect For?
CKS Financial works with a wide range of clients. They often buy unpaid debts from:
- Debt brokers and sellers
- Government agencies
- Retailers and merchants
- Service providers
- Other businesses that handle consumer accounts
If you’ve missed payments with any of these, CKS Financial could be involved.
Is CKS Financial a Legitimate Company?
Yes, CKS Financial is a real debt collector. They are legally allowed to collect debts for their clients or on accounts they’ve purchased.
That doesn’t mean mistakes never happen. Always verify the debt before agreeing to pay.
How to Remove CKS Financial From Your Credit Report
A collection account can damage your credit for up to seven years, even if you pay it. But there are ways to address the situation and potentially remove the account.
Here are your options:
- Dispute inaccurate information: If CKS Financial reported incorrect details—such as wrong amounts or accounts that don’t belong to you—dispute the account with the credit bureaus.
- Request debt validation: Send a written request asking CKS Financial to prove the debt is yours and the amount is correct. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: Offer to settle the debt in exchange for having the account removed from your credit report. Always get any agreement in writing.
- Work with a credit repair company: Professionals can help dispute inaccurate collections and deal with agencies like CKS Financial.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Pay CKS Financial?
Be cautious before paying a collection account. Making a payment can restart the statute of limitations, making it easier for them to sue you. It could also hurt your credit if the account is old or reported incorrectly.
First, confirm the debt is valid, accurate, and still legally collectible. Then, decide whether to settle or dispute it.
Can CKS Financial Sue You or Garnish Wages?
Yes, they can take legal action to collect unpaid debts. If CKS Financial sues you and wins, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Laws vary by state, and these steps are usually a last resort after other collection attempts.
Complaints Against CKS Financial
CKS Financial has complaints with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Incorrect information reported to the credit bureaus
- Harassment or aggressive collection tactics
- Failure to provide proper debt verification
If you feel your rights are being violated, file a complaint with the appropriate agency.
Your Rights When Dealing With CKS Financial
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection tactics. Here’s what those laws guarantee:
- CKS Financial cannot report false or incomplete information about you.
- You have the right to request written debt validation within 30 days of being contacted.
- They cannot harass, threaten, or repeatedly call you.
- They must clearly identify themselves as a debt collector in writing and verbally.
- They cannot threaten arrest or jail for unpaid debts.
If they violate these rules, you have grounds to dispute the account or file complaints.
CKS Financial Contact Information
Here’s how to reach CKS Financial if you need to send correspondence or verify details:
Mailing Address:
CKS Financial
P.O. Box 2856
Chesapeake, VA 23327-2856
Physical Address:
CKS Financial
505 Independence Pkwy
Chesapeake, VA 23320
Phone Numbers:
(800) 984-3711
(757) 271-2746
Remove CKS Financial From Your Credit Report Today
Dealing with collections can be stressful, but you don’t have to handle it alone. Credit Saint has more than 15 years of experience helping people dispute inaccurate collections like CKS Financial.
They work directly with the credit bureaus to challenge questionable accounts and improve your credit. They even offer a 90-day money-back guarantee for added peace of mind.
Ready to take action? Visit their website or call (855) 281-1510 to learn more.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.