Credit Service International

Is Credit Service International hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Credit Service International?

Credit Service International (CSI) is a debt collection agency that maintains its headquarters in Hudson, Wisconsin, and operates through nine other locations across the United States. The agency specializes in the recovery of debts on behalf of various creditors.

If Credit Service International appears on your credit report as a collections account, this likely signifies that you have an outstanding unpaid debt.

Who does Credit Service International collect for?

Credit Service International offers its collection services to a wide range of clients across diverse industries. This includes auto dealerships, banks, chiropractic offices, dental practices, finance companies, hospitals, various medical practices, and real estate property management companies, among others.

Is Credit Service International legit or a scam?

Credit Service International is a legitimate collection agency. They are authorized to collect unpaid debts on behalf of their clients. Nevertheless, it is important for consumers to exercise caution and verify any debts that CSI alleges are owed before making any payments.

How can I remove Credit Service International 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.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Credit Service International (CSI) Contact Information


Credit Service International Corporation
512 2nd Street, Suite 6
Hudson, WI 54016

Phone number: (800) 584-9407 or (715) 386-0424

Should I contact or pay Credit Service International?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Credit Service International is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Service International on behalf of their clients.

Will Credit Service International sue me or garnish my wages?

Credit Service International (CSI), like any debt collection agency, has the authority to take legal action to collect outstanding debts, which could include filing a lawsuit against you. If they win the case and obtain a court judgment, they might be able to garnish your wages, levy your bank account, or even place a lien on your property, subject to the specific laws of your state.

However, these measures are generally a last resort for collection agencies. Prior to reaching this stage, you usually have the opportunity to negotiate a settlement or payment plan. If you dispute the validity of the debt, you are entitled to challenge it.

Credit Service International Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Credit Service International

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. 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 Service International to report inaccurate or incomplete information about you.
  • 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 Service International may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit Service International 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 Service International cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Credit Service International From Your Credit Report Today!

Lexington Law can assist you in disputing CSI collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.