How to Remove Credit Collection Services (CCS) from Your Credit Report

How to Remove Credit Collection Services (CCS) from Your Credit Report

Table of Contents

In this article we gonna see How to Remove Credit Collection Services from your Credit Report.

What is Credit Collection Services?

Credit Collection Services or CCS Collections is one of the largest debt collection agencies in the country.

Based in Norwood, Massachusetts, CCS offices include over 700 employees and earns $53 million in annual revenue. 

The company collects debt in a variety of industries including banking, financial services, healthcare, utilities, and insurance.

Is Credit Collection Services Legit?

When contacted by a collection agency, a common response is a disbelief, especially if you have no recollection of the debt.

But the next question — and one that’s totally natural — is to question the legitimacy of the collection agency.

As it turns out, Credit Collection Services is a real business that works with some of the best-known companies in America.

The company has been rated by the Better Business Bureau (, giving them an “A+”, which is the highest rating they issue on a scale of A+ to F.

The Consumer Financial Protection Bureau, along with the BBB, report over 270 and 400 customer complaints respectively, most stating CCS violated consumer rights as laid out in the FDCPA.

Credit Collection Services is a legitimate credit collection agency. You’ll only hurt your case if you don’t respond to their communications and do what’s necessary to remove them from your credit report.

How to Remove CCS From Your Credit Report

Now, let’s get into the details. Right off the bat, whether you’ve been getting phone calls from CCS or received a letter from Credit Collection Services, send a debt verification letter to the company which requests “snail mail” communication only.

Why? This ensures that there is always a written record of what transpires between you and CCS. Sending a letter through certified mail, which requires a signature upon delivery, provides proof that CSS received the letter.

With phone calls, there won’t be a record. Snail mail is the best way to protect yourself.

1. Learn Your Rights Under Federal Law

If you’re going to take on Credit Collection Services, you need to become familiar with federal law and how it relates to debt collection practices.

Rest assured that the collection agency is aware of those laws. You need to be as well, to level the playing field.

You can learn your rights by reviewing the Fair Debt Collection Practices Act.

More specifically, study the more user-friendly Debt Collection FAQs provided by the Federal Trade Commission (FTC).

You may be surprised to learn what collection agencies can and cannot do to collect a debt, including following the statute of limitations and hours in which they can contact you.

Sometimes just letting a collection agent know you’re aware of your rights under federal law can go a long way toward keeping your communications more civilized.

2. Get a Copy of Your Credit Report

This is a completely necessary step, because reporting a collection account to the credit bureaus is a common strategy employed by collection agencies.

They’re well aware that consumers often ignore attempts to collect on an account until the entry on a credit report makes it difficult or impossible for a person to get a new loan.

Your credit report will also give you a better handle on exactly what you’re dealing with. Collection agencies are not service providers or lenders.

Whenever they get involved in a collection situation, they still represent a company or lender that is the source of the original obligation.

Getting a copy of your credit report will help you to match a collection claim with an original obligation.

For example, if Credit Collection Services contacts you about a specific collection balance, you can match it up against a previous account you may have had problems with.

If you can match it, you’ll know it’s a legitimate debt. But if you can’t, that will help you to know that you may be able to dispute the legitimacy of the obligation.

To get the most accurate information, you’ll need to get a copy of your credit report from all three major credit bureaus: Experian, Equifax, and TransUnion.

Fortunately, that’s not a complicated process at all.

You can get copies of your official credit reports from all three bureaus by ordering them through

They’re the only source officially authorized to provide you with a copy of your credit report from all three bureaus.

3. Request a Debt Verification Letter from Credit Collection Services

You’re within your legal rights to request a debt verification letter from Credit Collection Services.

The debt verification letter is provided by the collection agency and must provide all necessary information relevant to the debt.

This includes the amount of the debt, the original creditor, significant dates for the obligation, and any other important information.

Under federal law, if the credit collector is unable to furnish full or even complete information, the obligation must be canceled and removed from your credit report.

This is especially important while we are the current COVID pandemic and identity theft is significantly increasing.

Two Primary Reasons Why You Need To Obtain This Letter:

  1. To confirm the legitimacy of the debt, and
  2. To make sure you’re seeing the same information the collection agency is.

The debt verification letter request should represent the entirety of your first conversation with Credit Collection Services.

There’s no point arguing payment, details, or obligation legitimacy until you have something in writing from the collection agency.

But from that point forward, all communication with Credit Collection Services needs to be in writing.

When dealing with collection agencies, it’s mission-critical to have a paper trail at all times.

That paper trail will ensure that whatever terms you agree to will be enforceable in court, if necessary.

It will also prevent you from committing yourself to any procedures you may not be able to follow up on, which is always possible in a live conversation.

If you do get involved in a phone conversation with an agent from Credit Collection Services, use it purely as a fact-finding mission.

In other words, it should serve for you to obtain information from the agency, and not to provide information to them.

4. Your Strategy if the Debt Isn’t Yours

If the debt verification letter fails to prove the collection account is legitimately yours, and you can’t match it to any information on your credit report, insist that Credit Collection Services remove the negative information from your credit report and immediately cease contacting you about it.

Companies like Credit Collection Services that work with past-due accounts in bulk often have erroneous information.

For example, it may be a case of mistaken identity, such as when someone with a similar name owes the actual obligation.

Or, it may be that your name has been associated with a debt you’re not legally required to pay.

Still another possibility is that it’s a debt you have already paid, but the original creditor did not properly record the payment.

In any case, an incomplete debt verification letter — or one with no information at all — will give you the basis to demand removal.

And so will any evidence you come up with that can prove the original obligation was paid, like a canceled check or a copy of a bank statement.

If that turns out to be the case, insist that Credit Collection Services provide you with a letter confirming that it isn’t yours and that the entry will be removed from all three credit bureaus.

Even if Credit Collection Services fails to remove the information from your credit reports, you can use the letter as evidence when you contact the credit bureaus yourself and dispute the obligation.

When you open a dispute with them, the credit bureaus have 30 days to investigate.

If they’re unable to confirm the full details of the debt with Credit Collection Services, they are required by law to delete the debt from your credit report.

5. Your Strategy if the Debt is Yours

If Credit Collection Services can prove that the collection account is really yours, you’ll need to settle the debt.

That’s important because the collection agency always has the option to convert the account to a judgment.

If that happens, the debt will become a legal obligation — one you will need to pay in full.

There’ll be no opportunity to negotiate a lower payment amount, and Credit Collection Services will be legally able to garnish your wages or your bank account.

But if the debt is yours, you should try to settle the debt for less than the full amount or agree on a payment plan.

That may be more doable than you ever imagined. Collection accounts are often years old, and have already been given up by the original creditor.

The collection agency is trying to recover at least some of the amount owed, and may be perfectly willing to settle.

Take advantage of that situation by offering to pay no more than 50% of the debt.

But you must insist that the payment be accepted as full satisfaction of the obligation.

And if they do, you must get the agreement in writing from Credit Collection Services before sending any money.I

If you don’t, they may accept your partial payment, then continue to pursue you for the balance.

If they don’t accept your initial offer, ask them to counter.

That will set off a negotiation process likely to result in you paying more than your original offer but still less than the full amount of the debt.


This is a strategy often recommended when dealing with a collection agency.

The purpose is not only to settle the obligation but also to have it completely removed from your credit report.

You offer the collection agency payment on the debt in exchange for them removing it from your credit report.

If they agree, they’ll get their money, and you’ll get a clean bill of health on your credit report.

But there’s one glitch: a creditor is not legally required to remove an entry from your credit report, even if they’ve agreed to do so in writing.

In the credit reporting universe, paying off a collection account does remove the obligation.

The account will show as “paid” on your credit report. But the negative information remains on your credit report.

And in the way that credit reporting works, it will remain on your credit report for seven years from the time the account first became delinquent.

You can request a pay-for-delete arrangement — and we recommend that you do — but don’t be surprised if it doesn’t happen.

Either way, a paid collection is always better on a credit report than an unpaid one.

The passage of time will ultimately remove the negative information from your credit report.

Knowing Your FDCPA Rights

Harassing calls from a debt collection company tends to trigger a range of unpleasant emotions, from anxiety, fear, anger, frustration, and beyond.

Unfortunately, a lot of people who get these calls just don’t understand their rights. The truth is, debt collectors actually have a set of rules they have to follow when attempting to collect on a debt.

The Federal Trade Commission or FTC enforces these rules, collectively known as the Fair Debt Collection Practices Act and prevents debt collectors from harassing you.

Therefore, if you’re contacted by a debt collector, simply state that you understand your rights under the Fair Debt Collection Practices Act.

Here’s a brief bullet point list stating your rights:

  • It’s illegal for them to suggest that they can have you arrested or imprisoned
  • They are not allowed to harass or threaten you in any way
  • If you state you’re not allowed to receive calls at work, they can’t harass you at your job
  • CCS must provide documentation proving the validity of their claim at your request (Debt Verification)
  • They cannot send letters with the appearance of an official government or court letter
  • They may not threaten you with legal action, whether wage garnishment or harm to your credit without following through
  • Calling can only happen between the hours of 8 a.m. and 9 p.m. in your timezone, not theirs

With this in mind, I’ll walk you through the process of removing Credit Collection Services (CCS) from your credit report.

Tips for Dealing with CCS

When you type up the letter, again make sure that you mention the fact that you’re aware of your rights as they are outlined in the Fair Debt Collection Practices Act. Debt collecting services are required to provide proof of your debt, which oftentimes can be difficult for them to do.

Also, there is a statute of limitations placed on your debt, limiting the amount of time the credit reporting agency may sue you for repayment. Each statute varies from state to state, so be sure to research your state’s specific laws concerning credit suits.

Snail mail simplifies everything. It’s all there in black and white. If trouble arises, such as a lawsuit directed at you via CCS, you’ll have your paper trail. So, make sure that you send the debt verification letter. It’s really important!

Credit Collection Services Contact Information

Below is the contact information for Credit Collection Services (CCS):

  • Mailing Address: 725 Canton Street, Norwood, MA 02062
  • Credit collection Services: 617-965-2000 ext: 4491
  • CCS Commercial: 617-965-2000 ext: 4492
  • Customer Contact Solutions: 617-965-2000 ext: 4493