Who is Credit Bureau Services of Iowa?
Credit Bureau Services of Iowa, Inc. (CBSI) is a debt collection agency based in Oskaloosa, Iowa. They provide services to creditors by pursuing unpaid debts from consumers.
If CBSI appears on your credit report, it suggests that you have an unpaid debt that has been handed over to them for collection.
Who does Credit Bureau Services of Iowa collect for?
Credit Bureau Services of Iowa collects for a broad range of business types including attorneys, chiropractic offices, commercial businesses, dental practices, educational institutions, government entities, hospitals and medical clinics, and veterinary practices.
Is Credit Bureau Services of Iowa legit or a scam?
Credit Bureau Services of Iowa, Inc. is a legitimate debt collection company. They operate within the law to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Credit Bureau Services of Iowa from my credit report?
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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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 Services of Iowa, Inc. (CBSI) Contact Information
Address:
Credit Bureau Services of Iowa, Inc.
1306 S 7th St.
Oskaloosa, IA 52577
Phone number: (800) 383-0234
Should I contact or pay Credit Bureau Services of Iowa?
It’s best to avoid speaking to a debt collector 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 debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Credit Bureau Services of Iowa is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Bureau Services of Iowa on behalf of their clients.
Will Credit Bureau Services of Iowa sue me or garnish my wages?
Credit Bureau Services of Iowa, like any debt collection agency, has the legal right to sue you for an unpaid debt. If they proceed with a lawsuit and the court rules in their favor, they could potentially garnish your wages, levy your bank account, or take other actions depending on the laws in your state.
However, it’s essential to understand that lawsuits are generally considered a last resort for debt collection agencies, as they are costly and time-consuming.
Credit Bureau Services of Iowa, Inc. 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.
Your Rights When Dealing with Credit Bureau Services of Iowa, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Credit Bureau Services of Iowa to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Credit Bureau Services of Iowa may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Bureau Services of Iowa must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Credit Bureau Services of Iowa cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Bureau Services of Iowa From Your Credit Report Today!
Lexington Law can assist you in disputing Credit Bureau Services of Iowa collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
