If Credit Control, LLC is showing up on your credit report, it likely means an unpaid debt has been sent to collections. These accounts can lower your credit score, but there are ways to challenge or remove them.
Who Is Credit Control, LLC?
Credit Control, LLC is a licensed debt collection agency based in Earth City, Missouri. They collect unpaid debts for a wide range of businesses, including lenders, utility companies, medical providers, and government agencies.
If you’ve fallen behind on payments, your account may have been turned over to them for collection.
What Types of Debt Does Credit Control, LLC Collect?
Credit Control, LLC handles a variety of debts, including:
- Auto deficiency balances
- Business and commercial debts
- Education-related debts
- Unpaid medical bills
- Telecom and utility bills
- Government fines or fees
- Financial services debt
If you see them on your credit report, it likely relates to one of these categories.
Is Credit Control, LLC a Scam?
No, Credit Control, LLC is a legitimate debt collector. But even though they are real, always verify the debt before making any payments. Errors and inaccurate reporting happen more often than people realize.
How to Remove Credit Control, LLC From Your Credit Report
Collections can stay on your credit report for up to seven years, but here are steps you can take to resolve the situation:
- Dispute inaccuracies: Check your credit report for errors tied to the account. If you find incorrect details, dispute them with the credit bureaus.
- Request debt validation: You can demand proof that the debt is legitimate and belongs to you. If they can’t verify it, the account may be removed.
- Negotiate a pay-for-delete: Some collectors agree to remove the account from your report if you pay the debt. Always get this agreement in writing first.
- Work with a credit repair company: Professionals can challenge questionable accounts and help clean up your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay or Contact Credit Control, LLC?
Before paying, confirm the debt is valid and reported accurately. Some debts may be incorrect, outdated, or already resolved. Keep in mind, making a payment could reset the statute of limitations in some states, which may affect your legal rights.
If you’re unsure how to handle the account, working with a credit repair service can help you avoid costly mistakes.
Can Credit Control, LLC Sue You or Garnish Wages?
Yes, they can sue you for unpaid debts. If they take you to court and win, they could garnish your wages or take other legal action, depending on your state’s laws.
That said, lawsuits are often a last resort. Most collectors prefer to set up payment plans or settlements to avoid the hassle of court.
Credit Control, LLC Contact Information
Here’s how to reach them:
Address:
Credit Control, LLC
3300 Rider Trail S, Suite 500
Earth City, MO 63045
Phone:
(888) 365-7145
Credit Control, LLC Complaints
Like many collection agencies, Credit Control has faced complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Inaccurate credit reporting
- Failure to verify debts
- Harassment or repeated calls
If you’re dealing with these issues, know that you have rights.
Your Rights When Dealing With Credit Control, LLC
Federal and state laws protect you when dealing with debt collectors. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you several protections, including:
- The right to dispute inaccurate or incomplete credit report information
- The right to request debt validation within 30 days of first contact
- Protection from threats, harassment, or abusive language
- Requirement that they clearly state they are a debt collector
- Prohibition on false threats of arrest or legal action they can’t take
Understanding your rights makes it easier to handle the situation confidently.
Get Help Removing Credit Control, LLC From Your Credit Report
If you’re struggling to deal with collections on your own, professional help is available. Credit Saint has helped clients remove millions of negative items, including accounts from Credit Control, LLC.
They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to clean up your credit, visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
