If Credit Bureau of North America just showed up on your credit report, it could be hurting your credit score. Here’s what you need to know—and how to get it removed.
What Is Credit Bureau of North America?
Credit Bureau of North America, LLC (CBNA) is a debt collection agency based in Dickson, Tennessee. They collect unpaid debts on behalf of credit card companies and other lenders.
If you’ve missed payments on a credit card, the original lender may have hired CBNA to collect the debt. That’s when the account can appear on your credit report as a collection.
Who Does CBNA Collect For?
CBNA primarily works with credit card issuers, but they may also collect for other types of creditors. If they’re listed on your credit report, it usually means your original account was sold or transferred to them after going unpaid for a while.
Is Credit Bureau of North America Legit?
Yes, CBNA is a legitimate debt collector. They are legally authorized to collect debts on behalf of other companies. That said, credit report errors are common—so it’s important to confirm the debt is accurate before taking any action.
How to Remove CBNA From Your Credit Report
Collections can damage your credit score and stay on your report for up to seven years. But that doesn’t mean you’re stuck with them.
Here are your main options:
- Dispute the entry: If anything about the account is incorrect—like the balance, dates, or ownership—you can file a dispute with the credit bureaus. If CBNA can’t verify the debt, the account must be removed.
- Try a pay-for-delete: If the debt is valid, you can offer to pay it in exchange for getting it deleted from your credit report. Not all agencies agree to this, but it can work in some cases.
- Work with a professional: Credit repair services can help challenge inaccurate or unverifiable accounts and handle communication with the bureaus and collectors.
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 Credit Bureau of North America?
Only after you’ve verified the debt is accurate and still collectible. Paying a collection won’t automatically remove it from your report—and in some cases, it can actually reset the statute of limitations, making it easier for the collector to sue you.
If you’re unsure, consider getting help from a credit repair company before you make a move.
Can CBNA Sue You or Garnish Wages?
Yes, they can take legal action if the debt is valid and unpaid. If they win a judgment, they may be able to garnish your wages or freeze your bank account—depending on your state’s laws.
That said, lawsuits are usually a last resort. Most agencies prefer to negotiate a payment plan or settlement instead.
What to Do If CBNA Is Harassing You
If you’re receiving excessive phone calls or feel you’re being treated unfairly, you’re not alone. Many people file complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) about collectors like CBNA.
You have rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws protect you from:
- Inaccurate reporting
- Harassment or threats
- Being contacted at unreasonable times
- Collectors failing to validate a debt when asked
If CBNA violates your rights, you can report them to the CFPB or your state attorney general’s office.
Credit Bureau of North America Contact Info
Mailing address:
200 Creekside Dr.
Dickson, TN 37055
Phone numbers:
(615) 229-1038
(866) 260-3631
Get CBNA Removed From Your Credit Report
You don’t have to face collections alone. Credit Saint helps clients dispute negative entries like those from CBNA and has more than 15 years of experience doing it.
They even offer a 90-day money-back guarantee if they don’t get results.
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.
