Seeing Credit Systems International, Inc. (CSII) on your credit report can be stressful—but you don’t have to leave collections sitting there for years. There are ways to dispute or remove these accounts and protect your credit.
Who Is Credit Systems International, Inc.?
Credit Systems International, often listed as “Credit Sys Intl,” “Credit Systems Inc,” or similar names, is a debt collection agency based in Fort Worth, Texas. They collect unpaid debts on behalf of businesses across different industries.
If they appear on your credit report, it means a past-due account has been turned over to them for collection.
What Types of Debt Does Credit Systems International Collect?
CSII collects debts for companies in industries like:
- Healthcare
- Utility providers
- Government fines or fees
If you’ve fallen behind on payments for medical bills, utilities, or other services, Credit Systems International may be trying to collect.
Is Credit Systems International Legitimate?
Yes, they are a real debt collection agency. But even though they are legitimate, always verify the debt before making any payments. Inaccurate reporting and errors happen frequently, and you have the right to dispute them.
How to Remove Credit Systems International From Your Credit Report
Collections can stay on your credit report for up to seven years—but they don’t always have to. Here’s how to handle the situation:
- Dispute errors: Review your credit report for inaccurate details. If you find errors, file a dispute with the credit bureaus.
- Request debt validation: You have the right to demand proof the debt is yours and the amount is accurate. If they can’t verify it, they may have to remove the account.
- Negotiate a pay-for-delete: Some collectors will agree to delete the account from your report if you settle the debt. Always get this in writing before sending payment.
- Hire a credit repair company: Professionals can help challenge questionable collection accounts and clean up your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay or Contact Credit Systems International?
Before paying, make sure the debt is valid and reported correctly. Some collection accounts are inaccurate, outdated, or even resolved. Making a payment can also restart the statute of limitations in certain states, which may affect your legal options.
If you’re unsure how to handle the account, working with a credit repair service can help you avoid costly mistakes.
Can Credit Systems International Sue You or Garnish Wages?
Yes, they can take legal action over unpaid debts. If they sue and win, they may garnish your wages or take other steps to collect, depending on your state’s laws.
Lawsuits are usually a last resort. Most debt collectors prefer to work out payment plans or settlements before going to court.
Credit Systems International Contact Information
Here’s how to reach them:
Main 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
Phone Numbers:
(866) 410-5335
(817) 381-4688
Complaints About Credit Systems International
Like many collection agencies, CSII has faced complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect or inaccurate reporting
- Failure to properly verify debts
- Harassment or repeated phone calls
If you experience these problems, know that you have legal rights.
Your Rights When Dealing With Credit Systems International
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect you when dealing with collection agencies. Your rights include:
- Disputing inaccurate or incomplete credit report information
- Requesting debt validation within 30 days of being contacted
- Protection from harassment, threats, or abusive language
- Requirement that they clearly identify themselves as debt collectors
- Prohibition on false threats of arrest or legal action they can’t take
Understanding your rights gives you more control when dealing with collections.
Get Help Removing Credit Systems International From Your Credit Report
If dealing with CSII feels overwhelming, you don’t have to face it alone. Credit Saint has helped clients remove millions of negative items, including accounts from Credit Systems International.
They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.
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.
