Credit Collection Services (CCS)

Is Credit Collection Services (CCS) hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

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.

CCS collects debt in the areas of banking, cable, education, financial services, healthcare, insurance, retail telecommunications, and utilities.

Credit Collection Services Collection Accounts

Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to have it removed before 7 years and you may not even have to pay it.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Credit Collection Services on Your Credit Report

They have more than a few aliases. They may contact you as CCS, 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 purchases debt from the original creditor at a fraction of the money that is owed and then attempts to collect some or all of that alleged debt.

How to Remove Credit Collection Services from Your Credit Report

Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.

Call Lexington Law now to learn more: (800) 220-0084

Credit Collection Services Contact Information


725 Canton Street
Norwood, MA 02062-2679


Phone number: (617) 965-2000 or (877) 870-1000

Office Hours: Monday – Friday, 9 a.m. – 7 p.m.

Should I contact or pay Credit Collection Services?

Nothing good can come from contacting a collection agency. If you make a payment on the debt it will reset the clock. Not only will it not help your credit, but it could actually make it worse.

The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like Credit Collection Services for millions of clients nationwide.

And they can help you too.

Will Credit Collection Services sue me?

CCS 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 choose this route, despite the fact that it is the more costly option for them.

If you lose the lawsuit, you may receive a civil judgment made against you. If you can’t or won’t pay the judgment, you may eventually have your wages garnished or assets seized. Plus, going to court can be extremely costly, especially if the judge rules in their favor.

Before you decide to file a cease and desist order, consider getting professional help from a reputable credit repair service. They have the experience to effectively deal with collection agencies to defend your rights to the fullest extent of the law.

Shady Business Practices

Most debt collectors have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Credit Collection Services 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.”

shady business

Have you received a letter from Credit Collection Services?

The first contact you may have from this debt collector is receiving one or more threatening letters. However, if you receive a letter from CCS it may not actually be for you at all.

Debt collectors actually scour the internet, phone books, and online databases to find the addresses of everyone with the same name as a creditor. Then, they send threatening letters to all of them!

Just because you received a letter from a debt collector doesn’t mean they have a valid claim against you and it may not be you at all.

Remember, they purchase large amounts of debt from other companies. There easily could be a mix-up. They may not have the proper documentation, or they may have the wrong person altogether.

Harassing Phone Calls from Credit Collection Services

CCS is known for calling several times a day to attempt to collect on debts. Your caller ID may show no number at all or just a phony number generated by CCS.

Calls going to voicemail may be minutes of silence, and if you try to call back the call often goes unanswered. These phone calls from CCS can go on for up to two years. They may even try to call you at work.

Fortunately, the FDCPA allows you to write to CCS and ask them to stop calling you. For many, this should be an option of last resort. If they do have a valid claim, they may choose other means to collect the debt.

Understand Your Rights

The Fair Debt Collection Practices Act was passed by Congress to help protect you from aggressive debt collectors like CCS. Know your rights before you pick up the phone so you’re not caught off guard or bullied into doing something that’s not best for you.

Here’s a brief overview:

  • CCS is not allowed to harass or threaten you in any way.
  • CCS may only call you between the hours of 8 a.m. and 9 p.m. in your timezone, not theirs.
  • CCS may not try to contact you at your place of employment if you inform them either by mail or by phone that you may not receive calls at work.
  • CCS must provide documentation proving the validity of their claim at your request.
  • CCS cannot have you arrested or imprisoned, and it’s illegal for them to suggest otherwise.
  • CCS cannot send letters that have the appearance of an official government or court letter.
  • CCS may not threaten you with legal action, threaten harm to your credit, or threaten wage garnishment without intending to actually do so.

Can Credit Collection Services be removed from my credit report?

Lexington Law specializes in disputing Credit Collection Services accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.

Get Your Collections Removed Today!

If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.

Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.