Is EOS CCA hurting your credit score?

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Who is EOS CCA?

EOS CCA is a debt collection agency headquartered in Norwell, Massachusetts. Their role is to collect overdue payments from debtors on behalf of their clients.

If you see EOS CCA or variations like eocca collection, eos cca boston ma, eos cca verizon, or others on your credit report, it usually indicates an unpaid debt.

Who does EOS CCA collect for?

EOS CCA offers its collection services to a broad range of clients, spanning various industries. They work with banks, credit card issuers, healthcare providers, lenders, student loan providers, colleges and universities, telecommunication companies, among others.

Is EOS CCA legit or a scam?

EOS CCA is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove EOS CCA 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 account could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

EOS CCA Contact Information


700 Longwater Dr.
Norwell, MA 02061

Phone number: (877) 395-5997

Should I contact or pay EOS CCA?

It’s best to avoid speaking to a debt collection company 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.

The most effective way to deal with EOS CCA is to work with a credit repair professional. They help remove millions of negative items every year from companies like EOS CCA on behalf of their clients.

Will EOS CCA sue me or garnish my wages?

EOS CCA, like any other debt collection agency, has the legal right to sue you for an unpaid debt. If they win a lawsuit and obtain a judgment against you, they may then be able to garnish your wages or take other actions depending on the laws of your state.

However, it’s important to note that lawsuits and wage garnishment are typically last-resort options due to the costs and time involved. The decision often depends on the size of the debt, the likelihood of collection, and the agency’s policies.

EOS CCA Complaints

Most debt 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 EOS CCA, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with EOS CCA

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for EOS CCA 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • EOS CCA cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • EOS CCA must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • EOS CCA cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove EOS CCA From Your Credit Report Today!

Credit Saint can help you dispute EOS CCA collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.