If you’ve found Contract Callers Inc on your credit report, you’re not alone. This collection agency is known for reporting unpaid debts across several industries, and having them listed can seriously hurt your credit score. Here’s everything you need to know to get them off your report—and what your options are.
Why Is Contract Callers Inc on Your Credit Report?
Contract Callers Inc (CCI) is a third-party debt collection agency based in Augusta, Georgia. They work on behalf of businesses to recover unpaid debts, and when accounts go into collections, they often appear on your credit report.
If you see Contract Callers Inc listed, it likely means an unpaid bill has been handed over to them for collection.
Who Does Contract Callers Inc Collect For?
CCI works with a wide range of industries. Their clients include:
- Banks and financial institutions
- Healthcare providers
- Retailers
- Entertainment companies
- Utility companies
- Telecom providers
- Insurance companies
- Government entities
If you’ve fallen behind on bills with any of these types of organizations, that could be how Contract Callers Inc ended up on your credit report.
Is Contract Callers Inc a Legitimate Company?
Yes, Contract Callers Inc is a legitimate, licensed debt collection agency. They’re authorized to collect debts on behalf of other businesses. That said, always verify any debt before agreeing to pay. Mistakes happen, and not every account listed is accurate.
How to Remove Contract Callers Inc From Your Credit Report
Collections accounts can damage your credit for up to seven years, even if you pay them off. To remove Contract Callers Inc from your credit report, consider these steps:
- Dispute inaccurate information: If the debt isn’t yours or the details are wrong, file a dispute with the credit bureaus.
- Negotiate a pay-for-delete: In some cases, you can offer to pay in exchange for the account being removed from your report.
- Work with a credit repair company: Professionals can help dispute questionable accounts and improve your credit faster.
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Should You Pay Contract Callers Inc?
It depends. If the debt is legitimate and still within the statute of limitations, paying may help avoid further collection actions. But making payments can also reset the clock on how long the negative account stays on your report. Always get debt validation first to confirm the details.
Can Contract Callers Inc Sue You or Garnish Your Wages?
Yes, they have the legal right to sue over unpaid debts. If they win a lawsuit, they could garnish your wages, levy your bank accounts, or even place liens on your property—depending on your state’s laws.
That said, lawsuits are typically a last resort. Most collection agencies prefer to work out payment arrangements before going to court.
Contract Callers Inc Complaints
Like many collection agencies, Contract Callers Inc has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect reporting
- Failure to verify debts
- Aggressive collection tactics
If you’re being harassed or believe the debt isn’t valid, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Contract Callers Inc
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive collection practices. Under the law:
- Contract Callers Inc cannot report inaccurate or incomplete information.
- You can request debt validation within 30 days, and they must prove the debt is yours.
- They cannot threaten, harass, or use profane language.
- They must be transparent about who they are and their purpose.
- They cannot threaten arrest or imprisonment over unpaid debts.
Contract Callers Inc Contact Information
Contract Callers Inc
501 Greene Street, 3rd Floor, Suite 302
Augusta, GA 30901
Phone: (800) 825-8038
Remove Contract Callers Inc From Your Credit Report Today
If dealing with Contract Callers Inc feels overwhelming, a trusted credit repair company can help. Credit Saint has been helping clients remove negative accounts for over 15 years.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to get started.
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.
