Credit Management Company on Your Credit Report: What to Know

Credit Management Company has operated out of Pittsburgh, Pennsylvania since 1966 and also goes by the alternate business name Collection Management Co. If you see either name on your credit report, it is the same company.

CMC collects for a wider range of clients than most regional agencies, including hospital systems, government courts, higher education institutions, utility companies, and telecommunications carriers. That breadth creates specific validation issues depending on which type of account they are pursuing.

This guide covers who CMC is, their documented complaint patterns, and what to do before paying or responding to anything they claim.

Who Is Credit Management Company?

Credit Management Company, Inc. (CMC) is a third-party debt collection agency founded in 1966 and headquartered in Pittsburgh, Pennsylvania. The BBB lists them under the alternate name Collection Management Co. CMC has approximately 48 employees at their Pittsburgh headquarters and also maintains an office in White Plains, New York.

CMC collects for healthcare providers, government agencies, higher education institutions, utility companies, and telecommunications carriers. They handle first-party account management, bad debt recovery, denials management, and court restitution collection on behalf of Pennsylvania courts.

The BBB has recorded 238 complaints against CMC, with documented patterns around unauthorized fee additions, workplace harassment, and reporting medical debts before consumers receive written notice.

The 25% Court Restitution Fee Complaint

One of the most specific and documented complaint patterns against CMC involves their collection of Pennsylvania court restitution balances. A consumer filed a BBB complaint after CMC added a 25% processing fee to a $100 court restitution balance, increasing the total owed to $182.50.

The consumer had been complying with court requirements for five years when CMC became involved. CMC responded to the complaint by citing Pennsylvania Title 42, Section 9730.1(b)(2) as the statutory authority for the fee and directed the consumer back to the courts for further resolution.

If CMC is collecting a court restitution balance on your account, request written documentation of the specific statutory authority for any processing fee before paying the increased amount. The fee cited is real under Pennsylvania law, but the consumer is entitled to confirmation of which statute applies to their specific case before paying more than the original court-ordered amount.

Medical Debt Reporting Before Written Notice

The BBB complaint record for CMC includes multiple consumers who discovered a CMC medical collection entry on their credit report before receiving any written notice from CMC. In several documented cases, the underlying medical balance had not been submitted to secondary insurance before CMC reported it to the bureaus.

One BBB complaint specifically identified a hospital bill that the original provider never sent to the consumer’s secondary insurer. CMC was pursuing the full balance as self-pay despite the consumer having active secondary coverage.

Federal CFPB rules prohibit reporting medical debts under $500 to credit bureaus. Medical debts must also go through a one-year waiting period before they can legally be reported. If CMC has reported a medical balance under $500, or reported one that is less than one year past due, that entry may be disputable immediately.

Calling the Workplace After Being Told to Stop

A documented consumer complaint describes CMC repeatedly calling a workplace after the consumer specifically told them that personal calls were not permitted at their job. Continuing to call a workplace after receiving that notice violates FDCPA Section 1692c(a)(3).

If CMC has called your employer after you informed them that workplace calls are not allowed, document the date, time, and name of the caller for each occurrence. Each call after that notice is a separate potential FDCPA violation.

What CMC Cannot Do Under Federal Law

Based on their documented complaint history:

• Add fees beyond the original balance without statutory authority: The BBB-documented restitution complaint shows CMC adding a 25% surcharge. Any fee beyond the original referred balance requires documented legal or contractual authorization before you are obligated to pay it.
• Report medical debts under $500 or under one year past due: CFPB rules specifically prohibit both. Multiple BBB complaints document CMC reporting medical balances before the required waiting period.
• Continue calling a workplace after being told calls are not permitted: FDCPA Section 1692c(a)(3) prohibits contact at a place of employment once the consumer has communicated that such calls are not allowed.
• Report an account before sending written notice: Under FDCPA Section 1692g, CMC must send a written validation notice within five days of first contact. Reporting to bureaus before the consumer has received that notice is a documented CMC complaint pattern.
• Use false or misleading language to collect a debt: Documented CMC complaints include misleading statements about what is owed and why.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. For medical accounts, ask for the itemized bill from the original provider, the date the claim was submitted to your insurer, and the explanation of benefits showing what insurance paid or denied.

For court restitution accounts, request the specific statutory citation for any processing fee added to the original court-ordered balance. Do not pay an inflated restitution balance without written confirmation of the legal basis for the added amount.

For education or government accounts, request the original contract or award letter that supports the claimed amount.

How to Check Your Credit Report for CMC Entries

Pull all three credit reports and search for both “Credit Management Company” and “Collection Management Co.” Confirm the original creditor is identified, the balance matches what the original creditor reported at charge-off, and the date of first delinquency has not been reset.

For medical entries specifically, check whether the balance is under $500. If it is, it should not appear on your report at all under current CFPB rules, and you have grounds to dispute it with each bureau immediately.

How Long Can CMC Legally Pursue the Debt?

Pennsylvania, where CMC is headquartered, has a 4-year statute of limitations on written contracts. The relevant statute is typically the state where you currently reside. Confirm your state’s specific limit before engaging with CMC on any account that is several years old.

Your Options for Resolving a CMC Account

• Request an itemized breakdown before paying any medical balance: Multiple BBB complaints document CMC pursuing balances that insurance never processed. An itemized bill and explanation of benefits can reveal whether you actually owe what CMC claims.
• Challenge any fee added to a court restitution balance: Request the specific statutory authority in writing before paying the inflated amount. The fee must have a documented legal basis tied to your specific case.
• Document every workplace call after your first notice: Each call to your employer after you have communicated that personal calls are prohibited is a separate FDCPA violation worth up to $1,000 in statutory damages.
• Dispute medical entries under $500 with all three bureaus immediately: Current CFPB rules make these entries disputable without waiting for CMC to respond.

How to Contact Credit Management Company

• Pittsburgh address: Credit Management Company, Foster Plaza Building 7, 661 Andersen Drive, Suite 110, Pittsburgh, PA 15220
• New York address: 200 E Post Road, White Plains, NY 10601
• Phone: (800) 472-1483

Bottom Line

Credit Management Company has three specific, documented complaint patterns that set them apart from most collection agencies. They add processing fees to court restitution balances citing Pennsylvania statute, they report medical debts to credit bureaus before consumers receive written notice, and they continue calling workplaces after being told that personal calls are not permitted.

The single most important first step is requesting an itemized validation of the debt in writing before paying anything. For medical accounts especially, insurance processing errors account for a meaningful share of CMC’s documented complaint volume, and the balance CMC claims may not reflect what you actually owe.