Credit Clearing House of America


Is Credit Clearing House of America hurting your credit score?

Schedule a free credit consultation to find out how you can 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 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 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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Clearing House of America, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Credit Clearing House of America may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Clearing House of America 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 Clearing House of America cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove CCHA Collection From Your Credit Report Today!

Credit Saint can assist you in disputing CCHA collection accounts. 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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Meet the author

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