Who is Credit Bureau Systems?
Credit Bureau Systems (CBS) is an established debt collection agency that has operations in both Kentucky and Tennessee. The company is known for its work within the debt collection industry.
If you have an unpaid bill that has been forwarded to CBS, their name might appear on your credit report under the collections section.
Who does Credit Bureau Systems collect for?
Credit Bureau Systems operates primarily within the healthcare sector, providing third-party medical collections and managing revenue cycles for healthcare providers.
Is Credit Bureau Systems legit or a scam?
Credit Bureau Systems, Inc. is a legitimate debt collection company. They are authorized 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 Systems from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Credit Bureau Systems, Inc. (CBS) Contact Information
Address:
Credit Bureau Systems, Inc.
100 Fulton Ct
Paducah, KY 42001
Phone number: (800) 455-7726
Should I contact or pay Credit Bureau Systems?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Credit Bureau Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Bureau Systems on behalf of their clients.
Will Credit Bureau Systems sue me or garnish my wages?
If you have unpaid debts, Credit Bureau Systems could potentially sue you for the debt owed. If they win a lawsuit against you, they might have the ability to garnish your wages or levy your bank account depending on your state’s laws. However, it’s often more common for debt collectors to try to work out a repayment plan with you first, as lawsuits can be expensive and time-consuming.
Credit Bureau Systems, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Credit Bureau Systems, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Credit Bureau Systems, Inc. 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Credit Bureau Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Bureau Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Credit Bureau Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Credit Bureau Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing Credit Bureau Systems collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
