Encore Exchange

Is Encore Exchange 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 Encore Exchange?

Encore Exchange, formerly known as CCi, is a debt collection agency based in Winston-Salem, North Carolina. As a debt collector, Encore Exchange’s role is to recover unpaid debts that original creditors have not been able to collect.

If you see Encore Exchange listed on your credit report, it indicates that a debt you owe has been transferred to them for collection.

Who does Encore Exchange collect for?

Encore Exchange focuses primarily on collecting debts for companies in the healthcare industry. This can include hospitals, private clinics, or other healthcare-related services.

These debts often arise from unpaid medical bills or unpaid insurance premiums. The goal of Encore Exchange is to recover these unpaid debts on behalf of their clients, the original creditors.

Is Encore Exchange legit or a scam?

Encore Exchange is a legitimate company. However, as part of their debt collection process, they may frequently attempt to contact debtors, potentially through phone calls, text messages, or emails.

How can I remove Encore Exchange from my credit report?

Encore Exchange 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Encore Exchange Contact Information


Encore Exchange
470 W Hanes Mill Rd #200
Winston-Salem, NC 27105

Phone number: (336) 761-1524

Should I contact or pay Encore Exchange?

It’s best to avoid speaking to a collection agency 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 Encore Exchange is to work with a credit repair professional. They help remove millions of negative items every year from companies like Encore Exchange on behalf of their clients.

Will Encore Exchange sue me or garnish my wages?

Encore Exchange does have the legal right to sue you for non-payment of a debt. If they win a lawsuit against you, they could potentially garnish your wages, levy your bank account, or take other actions to recover the debt, depending on the laws of your specific jurisdiction.

However, it’s important to understand that taking legal action is generally considered a last resort for most debt collection agencies, as it can be costly and time-consuming. Prior to initiating a lawsuit, they usually prefer to work out a payment arrangement or settle the debt.

Encore Exchange 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 are being harassed by Encore Exchange, 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). 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 Encore Exchange

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 Encore Exchange 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.
  • Encore Exchange may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Encore Exchange 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.
  • Encore Exchange cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Encore Exchange From Your Credit Report Today!

Credit Saint can assist you in disputing Encore Exchange 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.