Credit Clearing House of America


Is Credit Clearing House of America hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Credit Clearing House of America, Inc.?

Credit Clearing House of America, Inc. (CCHA) is a debt collection agency based in Louisville, Kentucky. They specialize in the recovery of unpaid debts.

If you see CCHA on your credit report listed as a collections account, it generally indicates that an unpaid bill has been assigned or sold to them for collection. This usually occurs when a debtor fails to settle a bill within the prescribed time period.

Who does Credit Clearing House of America collect for?

CCHA provides its services mainly to healthcare providers. They collect debts resulting from unpaid medical bills or fees. Their clients may range from hospitals and clinics to individual practitioners.

Is Credit Clearing House of America legit or a scam?

Credit Clearing House of America is a legitimate 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 Clearing House from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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 Clearing House of America, Inc. (CCHA) Contact Information


Credit Clearing House of America, Inc.
120 E Market St.
Louisville, KY 40202

Phone number: (502) 583-1666 or (800) 928-1666

Should I contact or pay Credit Clearing House of America?

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 Clearing House is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Clearing House on behalf of their clients.

Will Credit Clearing House of America sue me or garnish my wages?

While Credit Clearing House of America, Inc. (CCHA) could technically initiate legal action to collect a debt, this measure is generally considered a last resort. Legal proceedings can be costly and time-consuming, with no guaranteed successful outcome.

CCHA would most likely first attempt to recover the debt through traditional methods, such as sending letters, making phone calls, or offering a payment plan. If these measures fail and CCHA decides to sue, they could potentially garnish your wages or levy your bank account if they win the lawsuit and such actions are permissible under your state’s laws.

Credit Clearing House of America, 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 Clearing House of America, 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 Clearing House of America 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 Clearing House of America cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Clearing House of America 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 Clearing House of America cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove CCHA Collection From Your Credit Report Today!

Credit Saint can help you dispute CCHA collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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