Who is Credit Systems International, Inc.?
Credit Systems International, Inc. (CSII) is a debt collection agency located in Fort Worth, Texas.
You may see them listed as ‘credit sys intl’, ‘credit systems intl’, or ‘credit systems inc’ on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Credit Systems International collect for?
Credit Systems International provides debt collection services to companies in the healthcare, utility, and governmental industries.
Is Credit Systems International legit or a scam?
Credit Systems International is a legitimate company. They were most likely assigned your debt (or bought your debt) from one of the companies they work with. However, just because they are legit, doesn’t mean you actually owe them anything. Keep reading to learn more.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
Credit Systems International, Inc. (CSII) Contact Information
Address:
Credit Systems International, Inc.
1277 Country Club Ln
Fort Worth, TX 76112
Mailing address:
Credit Systems International, Inc.
P.O. Box 1088
Arlington, TX 76004
Website: https://www.creditsystemsintl.com
Phone number: (866) 410-5335 or (817) 381-4688
Should I contact or pay Credit Systems International, Inc.?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Credit Systems International, Inc. (CSII) for millions of clients nationwide.
And they may be able to help you too.
Will Credit Systems International, Inc. sue me or garnish my wages?
In their attempt to collect a debt, a collection agency may resort to litigation. However, if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the Credit Systems International debt and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Credit Systems International, Inc. again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Credit Systems International to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.
Credit Systems International, Inc. (CSII) 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 you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Credit Systems International, Inc. (CSII) does too.
Your Rights When Dealing with Credit Systems International
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. 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 Systems International to report inaccurate or incomplete information on your credit report.
- 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, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Remove Credit Systems International, Inc. From Your Credit Report Today!
Lexington Law specializes in disputing Credit Systems International collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
