If Credit World Services has shown up on your credit report, it likely means they’re trying to collect a debt. Here’s what that means for your credit—and how to get them removed.
Who Is Credit World Services?
Credit World Services, Inc. is a third-party debt collection agency based in Mission, Kansas. They work on behalf of businesses to collect unpaid debts from consumers.
If they’ve added a collection account to your credit report, it means a creditor hired them to recover money you owe.
Who Does Credit World Services Collect For?
Credit World Services collects debts for businesses in several industries, including:
- Commercial services
- Higher education institutions
- Medical providers and healthcare facilities
- Retail businesses
- Utility companies
If you’ve missed payments with a company in these sectors, they may hire Credit World Services to collect the debt.
Is Credit World Services Legitimate?
Yes, Credit World Services is a real debt collection company. They are authorized to collect debts for their clients. However, never assume a debt is valid without seeing proof. You have the right to ask for verification before making payments.
How to Remove Credit World Services From Your Credit Report
Collection accounts can stay on your credit report for up to seven years and damage your credit score. Here’s how to deal with them:
- Dispute incorrect information: Review your credit report for errors. If the account is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You can ask Credit World Services to provide proof the debt is yours and the amount is correct. If they can’t verify it, they must stop collection efforts.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account if you pay. Always get this agreement in writing before making a payment.
- Work with a credit repair service: Credit repair professionals can help dispute inaccurate items and deal with collection agencies for you.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Credit World Services?
Before contacting Credit World Services or sending a payment, confirm the debt is accurate and legally enforceable. In some states, making a payment can reset the statute of limitations, potentially making it harder to resolve the issue.
If you’re unsure how to handle the situation, working with a credit repair expert can help protect your rights and your credit score.
Can Credit World Services Sue You or Garnish Your Wages?
Credit World Services has the legal right to sue for unpaid debts. If they file a lawsuit and win, they may be able to garnish your wages, freeze your bank account, or place a lien on your property, depending on your state’s laws.
Lawsuits are typically a last resort, but ignoring collection attempts can increase your risk. If you receive legal paperwork, respond immediately and consider seeking legal advice.
Credit World Services Contact Information
Here’s how to reach them:
- Address:
Credit World Services, Inc.
6000 Martway St
Mission, KS 66202 - Phone Numbers:
(800) 844-4084
(913) 362-3950
Complaints About Credit World Services
Like many collection agencies, Credit World Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to credit bureaus
- Failing to verify debts
- Harassment or aggressive collection tactics
If you believe they are violating your rights, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Credit World Services
You are protected by federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws prevent unfair collection tactics and protect your credit:
- Credit World Services cannot report false or incomplete information to credit bureaus.
- You can request a debt validation letter within 30 days of their first contact. They must provide proof the debt is accurate and belongs to you.
- They cannot harass you, call excessively, use abusive language, or shame you publicly.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten you with arrest or jail for unpaid debts.
Knowing your rights can help you handle collection accounts with confidence.
Remove Credit World Services From Your Credit Report Today
If dealing with Credit World Services feels overwhelming, professional help can make the process easier. Credit Saint has helped thousands of people challenge inaccurate accounts, collections, and other credit issues.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to see how they can help remove negative items from your credit report.
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.
