If Credit Clearing House of America, Inc. (CCHA) shows up on your credit report, it likely means an unpaid bill has gone to collections. Here’s what you need to know about CCHA, how they operate, and how to get them removed from your credit report.
Who Is Credit Clearing House of America?
Credit Clearing House of America, Inc. is a debt collection agency based in Louisville, Kentucky. They specialize in collecting unpaid debts, often after an account becomes past due and is turned over for collection.
If you see CCHA listed on your credit report, it’s likely tied to an old bill that went unpaid, and the original creditor has hired them to collect the balance.
Who Does Credit Clearing House of America Collect For?
CCHA mainly collects medical debts. Their clients include:
- Hospitals
- Clinics
- Individual healthcare providers
If you’ve missed payments on medical bills, there’s a chance CCHA is trying to collect on that debt.
Is Credit Clearing House of America Legitimate?
Yes, Credit Clearing House of America is a real company. They have the legal authority to collect debts for their clients. Still, always verify the details of any collection before paying. Errors happen, and some debts may be incorrect, outdated, or already resolved.
How to Remove Credit Clearing House Collections From Your Credit Report
Collections can stay on your credit report for seven years, even after payment. But there are ways to remove them:
- Dispute inaccurate information – If the debt details are wrong, you can file a dispute with the credit bureaus. They must investigate and fix any mistakes.
- Request a pay-for-delete – If the debt is valid, you can try negotiating a pay-for-delete deal. That means offering payment in exchange for having the account removed from your credit report.
- Get help from a credit repair service – Experts can challenge questionable accounts and work to have them deleted.
Collections hurt your credit score, so addressing them early can help protect your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Credit Clearing House of America?
Before contacting CCHA, make sure the debt is legitimate and still within the reporting period. Some debts may be too old to impact your credit or might not belong to you at all.
Also, be aware that making a payment can restart the time clock on certain debts, which could affect your credit in the future.
Many people prefer working with a credit repair company. These companies challenge negative items with agencies like CCHA and help clean up your credit report.
Can Credit Clearing House of America Sue You or Garnish Your Wages?
Debt collectors, including CCHA, can sue to collect unpaid debts, but that’s often a last resort. Legal action costs time and money, so they usually try letters, phone calls, or payment plans first.
If they file a lawsuit and win, they may be able to garnish wages or levy bank accounts, depending on your state laws.
The best way to avoid legal action is to address the debt early, whether by disputing it, settling, or working with a professional.
Credit Clearing House of America Contact Information
Address:
Credit Clearing House of America, Inc.
120 E Market St.
Louisville, KY 40202
Phone Numbers:
(502) 583-1666
(800) 928-1666
Credit Clearing House of America Complaints
CCHA, like many collection agencies, has complaints with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB). Most complaints involve:
- Incorrect information on credit reports
- Failure to verify debts
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with these agencies.
Your Rights When Dealing With Credit Clearing House of America
You have protections under state and federal laws. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you important rights:
- CCHA cannot report false or incomplete information about you.
- You can request written proof of the debt within 30 days of first contact. They must verify the debt belongs to you and the amount is correct.
- Harassment is illegal. They cannot use threats, call excessively, or use abusive language.
- They must clearly identify themselves as a debt collector, both verbally and in writing.
- They cannot threaten arrest or legal trouble over unpaid debts.
Understanding your rights makes it easier to deal with collection agencies like CCHA.
Get Credit Clearing House Removed From Your Credit Report
If dealing with collections feels stressful, credit repair experts can help. Credit Saint, a trusted credit repair company with over 15 years of experience, helps clients challenge incorrect or damaging items on their credit reports, including accounts from Credit Clearing House of America.
They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started today.
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.
