Who is Credit Collection Partners?
Credit Collection Partners (CCP) is a debt collection agency based in Taylorville, Illinois. Unlike many collection agencies, CCP does not report collection accounts to the credit bureaus.
Generally, if you forget to pay a bill and your account is sent to a debt collector, the collection agency reports this to the credit bureaus, which can negatively impact your credit score. However, CCP has a different approach, which can offer some relief to debtors concerned about their credit scores.
Who does Credit Collection Partners collect for?
Credit Collection Partners specializes in collecting fines on behalf of government entities. This could range from unpaid parking tickets, court fines, to library fees or any other type of debt owed to a government agency.
Is Credit Collection Partners legit or a scam?
Credit Collection Partners 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 Collection Partners 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.
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Credit Collection Partners (CCP) Contact Information
Address:
Credit Collection Partners
905 W Spresser St.
Taylorville, IL 62568
Phone number: (217) 284-4400
Should I contact or pay Credit Collection Partners?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 this is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Collection Partners on behalf of their clients.
Will Credit Collection Partners sue me or garnish my wages?
Credit Collection Partners does have the legal right to sue you in court for an unpaid debt. If they win the lawsuit and receive a judgment from the court, they could be legally entitled to garnish your wages or take other action to collect the debt, depending on the specific laws in your state.
However, it’s important to note that these legal actions are often seen as a last resort, and many collection agencies prefer to establish a payment plan or negotiate a settlement rather than go to court.
Credit Collection Partners, 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.
Credit Collection Partners has 4.8 stars out of 5 on BBB. CCP is also the first collection agency to ever win the BBB TORCH award for ethics in the STL region.
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 Collection Partners
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 Collection Partners 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 Collection Partners cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Collection Partners 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 Collection Partners cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Credit Collection Partners (CCP) From Your Credit Report Today!
Credit Saint offers assistance with disputing Credit Collection Partners 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.
