Who is Credit Bureau of North America?
Credit Bureau of North America, LLC (CBNA) is a debt collection agency located in Dickson, Tennessee. They specialize in the collection of delinquent debts, particularly related to credit cards.
If you haven’t paid your credit card bill and the original creditor hires a collection agency, CBNA may appear on your credit report as a collections account.
How can I remove Credit Bureau of North America from my credit report?
CBNA 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?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
In addition to collections, they can help 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.
Credit Bureau of North America, LLC Contact Information
Address:
Credit Bureau of North America
200 Creekside Dr.
Dickson, TN 37055
Phone number: (615) 229-1038 or (866) 260-3631
Should I contact or pay CBNA?
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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with CBNA is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBNA Collections on behalf of their clients.
Will CBNA sue me or garnish my wages?
CBNA, like other debt collection agencies, has the ability to file a lawsuit if attempts to collect the debt are unsuccessful. If they obtain a judgment in their favor, they may be able to garnish your wages or levy your bank accounts to satisfy the debt, depending on the applicable laws and regulations in your jurisdiction.
However, it’s important to note that legal action and wage garnishment are typically considered last resorts. Collection agencies often prefer to negotiate payment plans or settlements before pursuing such measures.
Credit Bureau of North America, LLC 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 a debt collector is harassing you, you may want to consider filing a complaint.
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.
Remove CBNA Collection From Your Credit Report Today!
Credit Saint can assist you in disputing CBNA collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.
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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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