How to Remove Credit Collection Services (CCS) from Your Credit Report

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.

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

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.

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

Lexington Law is a professional credit repair company that helps people fix their credit.

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

What You Need to Know About Credit Collection Services

They have more than 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 at a fraction of the money that is owed and then attempts to collect some or all of that 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

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

Should I contact or pay Credit Collection Services?

Nothing good can come from speaking to a collection agency on the phone. If you make a payment on the debt it will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new and you’re sure that it’s legit.

The best way to handle this is to work with 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 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 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.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that 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.

Credit Collection Services Complaints

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 Credit Collection Services 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

Credit Collection Services 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 Collections.

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 Credit Collection Services can go on for up to two years. They may even try to call you at work.

Fortunately, the Fair Debt Collection Practices Act allows you to write to Credit Collection Services 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.

Your Rights When Dealing with Credit Collection Services (CCS)

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA 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 Collection Services to report inaccurate or incomplete information on your credit report.
  • 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 Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Collection Services 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 Collection Services cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

More Tips on Dealing with Credit Collection Services (CCS)

Avoid the phone. NEVER talk to a debt collector on the phone. The less they know about you, the better.

Politely tell them it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.

Record their calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.

In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.

Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.

Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.

Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.

Don’t ignore them. You can do things on your terms, but ignoring the situation will not make them go away. Ignoring them sets you up for a possible lawsuit.

Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.

A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.

Remove Credit Collection Services from Your Credit Report Today!

Lexington Law specializes in disputing Credit Collection Services accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable credit repair 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 many people in your situation and have paralegals standing by waiting to take your call.