If Credit Management Company (CMC) shows up on your credit report, it means they are trying to collect a debt. Here’s how that impacts your credit—and what you can do to remove them.
Who Is Credit Management Company?
Credit Management Company is a third-party debt collection agency based in Pittsburgh, Pennsylvania. They collect unpaid debts for businesses and organizations across several industries.
If CMC has added a collection account to your credit report, it’s because a creditor hired them to recover an unpaid bill.
Who Does Credit Management Company Collect For?
Credit Management Company collects debts for businesses in the following industries:
- Commercial services
- Financial institutions
- Government agencies
- Healthcare providers
- Higher education institutions
If you’ve fallen behind on payments with a company in these industries, they may hire CMC to collect the debt.
Is Credit Management Company Legitimate?
Yes, Credit Management Company is a real debt collection agency. They are authorized to collect debts on behalf of their clients. However, always verify the debt before making any payments. It’s important to confirm the debt is accurate and belongs to you.
How to Remove Credit Management Company From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. If you want to remove CMC, here are your options:
- Dispute inaccurate information: Check your credit report for errors. If the account is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You can ask CMC to provide proof the debt is yours. If they can’t verify the debt, they must stop collection efforts.
- Negotiate a pay-for-delete: Some collectors will agree to remove the account if you settle the debt. Always get the agreement in writing before paying.
- Work with a credit repair service: Professionals can help challenge negative items and handle collection accounts for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Credit Management Company?
Before speaking to CMC or making payments, confirm the debt is valid and still legally enforceable. Making payments on an old debt can sometimes reset the statute of limitations, depending on your state’s laws.
If you’re unsure how to handle the situation, credit repair experts can help protect your credit and deal with CMC for you.
Can Credit Management Company Sue You or Garnish Your Wages?
Credit Management Company has the legal right to sue for unpaid debts. If they file a lawsuit and win in court, they could garnish your wages or freeze your bank account, depending on your state’s laws.
Lawsuits and wage garnishment are typically last resorts, but ignoring collection efforts increases the risk. If you receive legal paperwork, respond right away and consider legal advice.
Credit Management Company Contact Information
Here’s how to reach them:
- Address:
Credit Management Company
2121 Noblestown Road
Pittsburgh, PA 15205 - Phone Number:
(800) 472-1483
Complaints About Credit Management Company
Like many debt collectors, CMC has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information reported to credit bureaus
- Failure to verify debts
- Aggressive or excessive contact attempts
If you believe your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Credit Management Company
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws help prevent unfair collection tactics:
- CMC cannot report false or incomplete information to credit bureaus.
- You can request a debt validation letter within 30 days of first contact. They must provide proof the debt is accurate and belongs to you.
- They cannot harass you, call excessively, use abusive language, or shame you publicly.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights can help you handle collection accounts with confidence.
Remove Credit Management Company From Your Credit Report Today
If you’re struggling with CMC collections, professional help can make a big difference. Credit Saint has worked with thousands of people to challenge inaccurate accounts and improve their credit.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to find out how they can help remove negative items from your credit report.
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.
