Steps To Remove Credit Collection Services (CCS) From Your Credit Report

Credit Collection Services (CCS) will show up on your credit report as a result of unpaid bills. It’s not the best thing to have on your record but with the right steps, it can be removed.

Everyone experiences financial issues from time to time. Whether COVID-19 caused you to lose your job and fall behind on your bills or you had some other issue, if you let your bills go unpaid for too long, they likely end up with a collection agency like Credit Collection Services (CCS).

If you stumbled upon CCS on your credit report or you received a letter/phone call from them, it’s important to take the necessary steps to remove Credit Collection Services from your credit report.

Why you Should Care

You may wonder why it’s a big deal. If CCS is on your credit report – it doesn’t hurt anything, right?


Not only do collections cause your credit score to drop dramatically, but they also make future lenders wary about lending to you. 

A collection means you let a debt go so far past due that the creditor couldn’t collect on it anymore. They usually wait until the bill remains unpaid for 120+ days before they get to that point. When a payment is that late, it hurts your credit score and the collection just adds fuel to the fire.

So what should you do?

Validate the Debt

If you are still within the first 30 days of CCS calling or emailing you, ask for debt validation. This is just a letter you write asking them for more details about the debt. Chances are any communication you’ve received has minimal information on it.

Ask for more details, proving the debt belongs to you. If they can’t prove it belongs to you AND that you owe the debt, it’s invalid and they must remove it from your credit report.

Dispute the Debt

If CCS validates the debt, you have the option to dispute it. You’ll need a copy of your credit report to do this. We recommend pulling all three reports here – everyone has free access annually. 

If anything on the CCS tradeline is inaccurate or unfair, you may dispute it. This includes if your name is incorrect, the account number is wrong, or the balance/payment information is incorrect.

Go through the tradeline line by line on each report. If you find anything incorrect, write a letter to the credit bureau. Write a separate letter to each bureau, and include proof of why the information posted is incorrect.

The credit bureau has thirty days to respond to your request. If they don’t respond or can’t validate the debt, they must remove it.

Negotiate the Payment

No matter if you get CCS off your credit report, you still have to satisfy the debt (if it’s valid). If CCS has your debt, though, it means they bought it for less than it’s worth. This gives you some wiggle room when you negotiate.

Before you negotiate with CCS, figure out how much money you can afford to pay. If you can pay it in one lump sum, you’ll have more leverage. When you negotiate the amount, ask CCS to delete the collection from your credit report. 

If they agree, get it in writing. Don’t take any verbal agreements. If you pay as agreed and they don’t remove CCS from your credit report, you have no proof of what they agreed to do.

If you pay as agreed and have it in writing and they don’t remove it, you can dispute the debt with the credit bureau, using the letter as proof of what they promised to do.

If you can’t make a payment in full, discuss your options for a payment arrangement. CCS will likely work with you because they want payment, but it may take a little back and forth to come to an agreement. Again, don’t give them access to your checking account.

Have a Professional Remove the Collection

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you, and honestly they usually get negative items removed quicker than if you try to do it yourself. Give them a call at 1-844-331-6062 or Check out our review of their service.