Credit

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

Summary: Detailed steps on how to remove Credit Collection Services (CCS) from your credit report.

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.

Depending on your prior credit score, a collection account from Credit Collection Services cause a 100+ point drop in your credit score. The good news is that you can get debt collections removed from your credit report with a few simple steps.

What is Credit Collection Services?

Credit Collection Services, otherwise known as CCS, is a legit debt collection agency. In fact, CCS is one of the largest debt collection agencies in the US. Credit Collection Services is based in Norwood, MA and employees over 700 people.

Credit Collection Services act as a debt collector for the following industries:

  • Healthcare
  • Finance
  • Insurance
  • Utilities
  • Banking
  • Education

How to Remove Credit Collection Services From Your Credit Report

In addition to have a significant negative affect on your credit score, collection accounts can remain on your credit report for up to 7 years. During this time, a credit collection will impact your ability to obtain new credit, increase your insurance premiums, and otherwise stunt your ability to grow financially.

In my view, it’s extremely important to remove collection accounts from your credit report as quickly as possible, and just point the whole situation behind you.

There are two primary ways to remove a collection account from your credit report. First, there is the do-it-yourself method. This method involves writing various letters to the debt collector, and trying to negotiate them to delete the entry.

The second way is to simply hire a credit repair company to help you deal with the debt collector and remove the negative items, including collections, late payments, and charge-offs from your credit report.

For this, 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 my review of their service.

How to Pay Credit Collection Services

Generally, it’s not a good idea to pay a debt collection agency without negotiating an agreement and getting everything in writing.

If you haven’t paid CCS already, you should consider asking them if they are willing to remove the collection from your credit reports if you agree to pay the debt. This is called “Pay for delete”.

You can offer to pay either in full or partially. Naturally, that depends on how old the debt is, and how eager they are to collect at least some of the balance.

If you have already paid CCS without asking them to remove the collection in return, don’t worry: You can still get the credit collection removed. For this you should consider reaching out to a reputable credit repair company such as Lexington Law.

How to Identify Credit Collection Services

It can be difficult to identify Credit Collection Services on your credit report because they use so many different entries. Nonetheless, I have gathered a list of the common entries they use.

  • credit collection svcs
  • ccsnotice.com
  • ccs notice
  • ccs collections
  • ccs usa
  • ccspay
  • ccs offices

When you come across any of these collection entries on your credit reports, you can be sure that you’re dealing with Credit Collection Services.

Also, keep in mind that CCS are debt collectors who purchase debts from other creditors.

For example, if you had an old Verizon bill that you didn’t pay, Verizon may have sold the debt to CCS for pennies on the dollar. Debt collectors will then attempt to collect the full balance from you to turn a profit.

For your reference, this is generally how most collection agencies work.

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How to Deal with Credit Collection Services

The best way to deal with a collection agency is to avoid communicating over the phone. The problem with the phone is that you don’t have any record of the conversation. Therefore, it’s recommended that all negotiating be done via mail or e-mail.

When Credit Collection Services calls you, kindly tell them that all further communication should be done over e-mail or snail mail. Then you can block their number on your cell phone.

credit collection services accounts

You don’t have to worry about Credit Collection Services CCS calling you at your place of employment because that’s now illegal thanks to the Fair Debt Collection Practices Act.

It’s a good idea to have an understanding of the Fair Debt Collection Practices Act because this law details how collection agencies are required to behave when attempting to collect on a debt.

According to the Fair Debt Collection Practices Act, a debt collection agency is prevented from:

  • Harassing you or your family.
  • Threaten to have you put in jail.
  • Threaten your property.
  • Call you before 8AM or after 9PM.
  • Use profanity.

When you’re dealing with a debt collection agency, make sure you keep an eye out to ensure they don’t violate any of these rules. In addition, it gives you the upper hand since they are unable to use your ignorance of the law against you.

Can I Dispute Credit Collection Services?

There are two ways that you can effectively “dispute” a debt collection.

Debt Validation Letter

First, you can dispute the collection directly with CCS by sending them a “debt validation letter”. A debt validation letter will basically demand that they verify that the debt is actually yours.

You have 30 days from the time they contact you to write this letter. If they can’t verify that the debt is yours within 30 days, you can demand that they remove it from your credit report.

Dispute with the Credit Bureaus

The second way that you can dispute the collection is to dispute with the three credit bureaus, Experian, Equifax, and Transunion.

The most effective way to dispute a negative items on your credit report is to go over your credit reports and try to find anything that’s inaccurate. You should be looking for inaccurate numbers, misspellings, etc.

When you find anything that’s inaccurate, you can dispute with the credit bureaus. They will have 30 days to verify the correct information. Many times they are unable to verify the data and will remove the negative item.

Can Credit Collection Services Sue Me?

It’s not uncommon for debt collectors to sue in order to collect on a debt. That said, I wouldn’t count on this being their first mode of action. Litigation isn’t cheap, and unless it’s a very large debt, most of the time it isn’t worth the legal fees.

However, this doesn’t mean you shouldn’t be concerned because it is a possibility. Your best bet is to get the collection removed as quickly as possible so you don’t have worry about this.

Also, some states do allow wage garnishment, so this is something to consider as well. Check the laws in your particular state for more information on this.

How to Contact Credit Collection Services

If you decide to contact Credit Collection Services about negotiating the removal of a collection, you will need their contact information:

Mailing Address:

Credit Collection Services
725 Canton Street
Norwood, MA 02062-2679
Phone number:

(617) 965-2000

How Long Will Debt Collections Stay on My Credit Report?

Collection accounts can remain on your credit report for up to seven years. The good news is that the older the collection account, the less of a negative impact it has on your credit score.

However, even if it’s an old collection and the affect on your credit score is negligible, it can still prevent you from getting approved for new credit. Lenders usually don’t like seeing collections on your credit reports.

For this reason, it can be advantageous to remove even very old collection accounts from your credit report.

How Will Collections Affect My Credit Score?

Collection accounts can have a significant negative impact on your credit score. The affect a collection has all depends on what your credit score was prior to getting the collection.

As a general rule of thumb, the higher your credit score, the more of an impact the collection will have. For example, a credit of 750 could fall to 650 by a single collection. On the other hand, a 650 credit score may only fall to 630.

Another thing to keep in mind is that it doesn’t matter if the collection is paid or unpaid. Despite what a debt collector might tell you, a paid collection has just as much of a negative affect on your credit score as an unpaid collection.

For this reason, it’s wise to negotiate a “pay for delete” prior to paying the collection. That way both parties win: the debt collector gets paid, and you get the collection removed from your credit report.

Credit Collection Services Complaints

Like any typical collection agency, CCS has hundreds of consumer complaints with the Consumer Financial Protection Bureau, and the Better Business Bureau.

This is just another reminder of why dealing with collection agencies can be a complete nightmare. Again, I recommend getting any debt collection accounts behind you so you can move on with your financial life.