If you’ve found Credit Adjustment Board, Inc. (CAB) on your credit report, it likely means they are trying to collect a debt. Here’s what that means for your credit—and how to get them removed.
Who Is Credit Adjustment Board?
Credit Adjustment Board, Inc. (CAB) is a licensed debt collection agency based in Richmond, Virginia. Founded in 1955, they work with businesses to recover unpaid debts from consumers.
If CAB shows up on your credit report, it means an unpaid account has been sent to collections.
Who Does Credit Adjustment Board Collect For?
Credit Adjustment Board collects debts for businesses in several industries, including:
- Commercial and industrial companies
- Gas, oil, and HVAC companies
- Healthcare providers
- Government agencies
- Property management companies
- Transportation and logistics companies
If you’ve fallen behind on bills with businesses in these industries, they may hire CAB to collect the debt.
Is Credit Adjustment Board Legitimate?
Yes, Credit Adjustment Board is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, always verify any debt they claim you owe before making payments. It’s common for errors to appear on credit reports.
How to Remove Credit Adjustment Board From Your Credit Report
Collection accounts can lower your credit score and stay on your credit report for up to seven years. Here are your options to remove them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, file a dispute with the credit bureaus to have it removed.
- Request debt validation: You have the right to ask CAB for proof that the debt is valid. If they can’t verify the debt, they must stop collection efforts.
- Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for the account being removed from your credit report. Always get the agreement in writing.
- Work with a credit repair service: Professionals can help challenge negative items and handle collection agencies for you.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Credit Adjustment Board?
Before contacting CAB or making payments, confirm the debt is accurate and still legally enforceable. In some states, making a payment on an old debt can reset the statute of limitations.
If you’re unsure how to proceed, working with a credit repair professional can help. They assist consumers in removing negative accounts like collections every day.
Can Credit Adjustment Board Sue You or Garnish Your Wages?
CAB has the legal right to sue you for unpaid debts. If they take you to court and win, they may be able to garnish your wages, freeze bank accounts, or place a lien on your property, depending on your state’s laws.
Lawsuits are usually a last resort, but ignoring collection attempts can increase the risk. If you receive legal paperwork, respond promptly and consider getting legal advice.
Credit Adjustment Board Contact Information
Here’s how to reach them:
- Address:
Credit Adjustment Board, Inc.
8002 Discovery Drive, Ste 311
Richmond, VA 23229 - Phone Numbers:
(804) 649-0761
(800) 882-0761
Complaints About Credit Adjustment Board
Many collection agencies, including CAB, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Reporting incorrect information to credit bureaus
- Failing to verify debts
- Aggressive or harassing collection tactics
If you believe CAB is violating your rights, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Credit Adjustment Board
Debt collectors must follow state and federal laws, including the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect consumers from unfair practices:
- CAB cannot report false or incomplete information about you.
- You can request a debt validation letter within 30 days of first contact. They must provide proof that the debt is yours and the amount is accurate.
- They cannot harass you, call excessively, use abusive language, or shame you publicly.
- They must clearly state they are a debt collection agency.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights can help you manage collection accounts with confidence.
Remove Credit Adjustment Board From Your Credit Report Today
If CAB is hurting your credit, working with a trusted credit repair company can help. Credit Saint has helped thousands of people challenge negative accounts like collections and improve their credit.
They even offer a 90-day money-back guarantee, giving you peace of mind during the process.
Visit their website or call (855) 281-1510 to learn how they can help remove negative accounts from your credit report.
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.
