If EOS CCA is showing up on your credit report, it likely means you have a collections account tied to unpaid debt. EOS CCA is a debt collection agency based in Norwell, Massachusetts. You might also see them listed under variations like “eocca collection,” “eos cca boston ma,” or “eos cca verizon.”
Collections accounts can stay on your report for years, but you have options to address them and improve your credit.
Who Does EOS CCA Collect For?
EOS CCA works with a wide range of businesses to recover unpaid debts, including:
- Banks and lenders
- Credit card companies
- Healthcare providers
- Student loan servicers
- Colleges and universities
- Telecommunications providers
If you’ve fallen behind on payments in any of these areas, your account may have been sent to EOS CCA for collections.
Is EOS CCA Legitimate?
Yes, EOS CCA is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. That said, errors happen. Always verify the debt is valid and belongs to you before making any payments.
How to Remove EOS CCA From Your Credit Report
Collections can lower your credit score and stay on your report for up to seven years. To try to remove EOS CCA from your credit report:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They must investigate and fix inaccurate reporting.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending payment.
- Work With a Credit Repair Company: Credit repair professionals regularly help challenge negative items from companies like EOS CCA.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay EOS CCA?
It’s best to avoid discussing your debt with collection agencies over the phone. Conversations can be misinterpreted, and making payments without a clear agreement can reset the collection timeline, potentially hurting your credit further.
If you want to resolve the account, consider working with a reputable credit repair company to help manage the process and avoid common pitfalls.
Can EOS CCA Sue You or Garnish Your Wages?
Like most debt collectors, EOS CCA has the legal right to sue for unpaid debts. If they win the case in court, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. Lawsuits and wage garnishment are typically last-resort options, as most collection agencies prefer to settle the debt first.
EOS CCA Contact Information
- Address:
EOS CCA
700 Longwater Dr.
Norwell, MA 02061 - Phone:
(877) 395-5997
EOS CCA Complaints
Like many collection agencies, EOS CCA has received complaints from consumers, often reported to the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to verify debts
If you experience these problems, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report your concerns
Your Rights When Dealing With EOS CCA
Federal laws protect you when dealing with debt collectors like EOS CCA. Your rights under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) include:
- You can dispute inaccurate or incomplete information on your credit report.
- You can request debt validation. EOS CCA must prove the debt is yours and that the amount is accurate within 30 days of your written request.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector during all communications.
- They cannot threaten you with arrest or jail for unpaid debts.
If they violate your rights, report them to the CFPB or seek legal advice.
Remove EOS CCA From Your Credit Report Today
Tired of dealing with EOS CCA on your credit report? You don’t have to manage it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like EOS CCA.
They even offer a 90-day money-back guarantee if no questionable negative marks are removed from your report within the first 90 days. To qualify, you must stay active, submit your ID within five days, make all payments, and avoid adding new negative marks.
Ready to clean up 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.
