Who Is Credit Collection Services?
Credit Collection Services (CCS) is a debt collection agency based in Norwood, Massachusetts.
They’re one of the largest debt collection companies in the country with 700 employees and over $53 million in annual revenue.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Credit Collection Services collect for?
Credit Collection Services collects debt in the areas of banking, cable, education, financial services, healthcare, insurance, retail telecommunications, and utilities.
Is Credit Collection Services legit or a scam?
Credit Collection Services is a verified debt collection company that has been operating since 1996 and holds a respectable ‘B’ rating with the Better Business Bureau (BBB). However, it’s worth noting that some consumers have reported receiving persistent unsolicited calls, texts, or emails from the company.
How can I remove Credit Collection Services 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.)
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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
What You Need to Know About Credit Collection Services
Credit Collection Services has a few aliases. They may contact you as CCS Collections, Credit Control Services, or some other variation of that name.
Credit Collection Services may appear on your credit report as any of the following entries:
- ccsnotice.com
- ccs collections
- ccs notice
- ccs offices
- ccs usa
- ccspay
- credit collection svcs
- The CCS Companies
Regardless of what they call themselves, if you have received a letter from them, they are attempting to collect a debt which they believe you owe.
You’re probably asking yourself, “have I ever made a purchase or borrowed money from Credit Collection Services?” The answer is no. CCS Collections purchases debt from the original creditor for pennies on the dollar and then attempts to collect the alleged debt.
Credit Collection Services (CCS) Contact Information
Address:
Credit Collection Services
725 Canton Street
Norwood, MA 02062-2679
Phone number: (617) 965-2000 or (877) 870-1000
Should I contact or pay Credit Collection Services?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with CCS Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Collection Services on behalf of their clients.
Will Credit Collection Services sue me or garnish my wages?
Credit Collection Services has onsite legal counsel and may choose to sue you to collect on the debt. If they no longer feel you will negotiate with them, they will select this route, even though it is the more costly option for them.
However, if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the debt with the credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you may never hear from or have to deal with CCS Collections again.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Credit Collection Services to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Credit Collection Services hurting my credit score?
Any derogatory item on your credit file, including a collections account, may harm your credit score.
Collection agencies often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
Credit Collection Services Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). CCS Collections has had 390 complaints to the BBB alone.
These complaints range from inaccurate and false collections to failing to post a “Notice of Dispute” on a collection account. They’ve even been accused of charging a customer’s credit card nearly twice that of the agreed amount.
On the employer review site Glassdoor, a former employee said, “The company maximizes profits while engaging in unsavory business practices that lack ethics and moral fiber.” Another called them “a cut-throat collection agency.”
Your Rights When Dealing with Credit Collection Services (CCS)
Collection agencies must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:
- It is a violation of federal law for Credit Collection Services 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.
- CCS Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- They 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.
- They cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Collection Services From Your Credit Report Today!
Lexington Law can assist you in disputing Credit Collection Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
