Who is Credit Systems International, Inc.?
Credit Systems International, Inc., also known as CSII, is a debt collection agency based in Fort Worth, Texas. They work on behalf of businesses to recover unpaid debts.
If you see CSII listed on your credit report under different aliases such as ‘credit sys intl’, ‘credit systems intl’, or ‘credit systems inc’, it indicates that you have an outstanding debt that has been sent to collections.
Who does Credit Systems International collect for?
Credit Systems International collects on behalf of various companies across several industries, including healthcare, utility, and governmental sectors.
Is Credit Systems International legit or a scam?
Credit Systems International is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Credit Systems 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.)
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Credit Systems International, Inc. Contact Information
Credit Systems International, Inc.
1277 Country Club Ln
Fort Worth, TX 76112
Credit Systems International, Inc.
P.O. Box 1088
Arlington, TX 76004
Phone number: (866) 410-5335 or (817) 381-4688
Should I contact or pay Credit Systems International, Inc.?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Credit Systems International is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Systems International, Inc. on behalf of their clients.
Will Credit Systems International, Inc. sue me or garnish my wages?
Credit Systems International, Inc. does have the legal right to sue you for an unpaid debt. If they choose to go to court and win the lawsuit, they could potentially receive a judgment that allows them to garnish your wages or levy your bank account, subject to the laws in your state.
However, suing is often considered the last resort after numerous attempts to collect the debt. It involves costs, time, and resources, so most agencies prefer to set up a payment plan or possibly negotiate a settlement before taking this step.
Credit Systems International, Inc. 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 Systems International
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Systems 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 Systems International may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Systems 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 Systems International cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Systems International, Inc. From Your Credit Report Today!
Credit Saint can assist you in disputing Credit Systems International collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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