Credit Collection Services (CCS)


Is Credit Collection Services (CCS) 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 Collection Services?

Credit Collection Services (CCS) is a debt collection agency based in Norwood, Massachusetts. As one of the largest debt collection companies in the United States, it employs approximately 700 individuals and generates over $53 million in annual revenue.

Their function is to collect debts on behalf of various creditors. Therefore, if you see CCS listed on your credit report, it typically means you have a collections account. This usually occurs when you have an unpaid bill, and the original creditor has either sold or transferred the debt to a collection agency to recover the amount owed.

Who does Credit Collection Services collect for?

Credit Collection Services provides collection services for a wide range of industries. These include 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, if you are contacted by CCS, it’s essential to verify the debt before making any payments.

How can I remove Credit Collection Services 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?

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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.

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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:

  • 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


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?

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 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 (CCS) has the legal ability to sue you in court for the unpaid debt. If they win the lawsuit and obtain a judgment against you, they could potentially garnish your wages or levy your bank account, but this would depend on the laws of your specific state.

However, these actions are usually considered as last-resort measures by most debt collectors because they require time, money, and significant effort to achieve. Prior to filing a lawsuit, CCS will likely attempt multiple times to collect the debt through letters, phone calls, and other types of communication.

Credit Collection Services Complaints

Many collection agencies have numerous complaints filed 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)

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • CCS Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • They 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.
  • They cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Credit Collection Services From Your Credit Report Today!

Credit Saint can help you dispute Credit Collection Services 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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