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Collections

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


By Expert Contributor

Contracted writer for Credit Knocks.


Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Summary: Remove Credit Collection Services from your credit report and protect your credit in a few easy steps.

Let’s be honest. It can be frustrating to find out that a company like Credit Collection Services has damaged your credit.

The good news is you may be able to remove them from your credit report and move forward with your life.

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Take The Fight To The Collection Company!

Tired of harassing phone calls, rude people, and lies? Hire our customer rated top credit repair company and take the fight to them!

Consultation is quick, easy, and free.

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.

They’re pretty good at confusing customers because they go by a million names including Credit Collection Services, CCS Offices, CCS Collection, CCS Payment, and CCS Commercial, CCS Companies and CCS Credit Collection Services CCS. 

Confusing, right?!?!

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Here’s how CCS Collections works: They buy debt from creditors at a fraction of the cost that is owed. Then, they work really hard to collect all or a portion of that debt from consumers like you.

Watch Out for Credit Collection Services Norwood MA

Understand that even if you haven’t bought anything from CCS Credit Collection Services, the company may still contact you if you owe money on your medical bills, utilities, insurance, or anything else.

If you look them up, you’ll notice an A rating on their Better Business Bureau page. But don’t let that fool you.

Negative items on your credit file?  Our 609 credit dispute letters may be able to help get them removed.

There are plenty of complaints about inaccurate or even false collections. Some people even accuse them of charging their credit cards for much more than they agreed to pay.

Even though CCS Companies, like most businesses, wants to make money, they’re shady practices speak volumes about their morals and ethics.

Understand Your Rights

The Fair Debt Collection Practices Act or FDCPA was put into place to protect you from Credit Collection Services and other aggressive debt collectors.

It’s important to know your rights under the FDCPA so that you can deal with Credit Collection Services Norwood MA appropriately.

The FDCPA states the following:

  • CCS Collections can’t harass or threaten you.
  • CCS Offices may only call you between 8:00 a.m. and 9:00 p.m. in your time zone.
  • If you tell them you can’t take calls at work, CCS Credit Collection Services can’t call you while you’re on the job.
  • Credit Collection Services Payment  must provide you with documentation that validates you owe them debt.
  • Credit Collection Services Commercial can’t arrest you or put you in jail. 
  • Credit Collection Services CCS can’t send letters that mimic official court or government letters.
  • CCS Credit Collection Services can’t state they’ll garnish your wages or take legal action against you unless they intend to do so.

What to Do If CCS Collections Contacts You

If you get a letter or phone call from CCS Offices, don’t automatically assume you have to pay them.

Follow these steps instead.

Did you know?


48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

Ask CCS Offices to Verify the Debt

Remember that CCS Offices buys debt from tons of different companies. They could’ve easily mixed you up with another customer.

So it’s your job to send them a debt validation letter and ask them to prove that you do owe them money. 

Send the letter by certified mail to their address:

725 Canton St., Norwood MA 02062-2679.

This way you’ll know whether they’ve received it and they can’t pretend they didn’t.

CCS Collections will have 30 days from the day they get it to send you documents that show you owe them money. 

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Stop Harassing Calls Now! 

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

Settle with CCS Credit Collection Services For A Pay For Delete Agreement

If you don’t get proof that the debt is yours, congratulations! You don’t owe them a dime.

On the other hand, if CCS Collections does make it clear you owe them money, you’ll need to settle. By settling, you’ll be able to:

  • Remove the collection off your credit report.
  • Avoid a potential lawsuit.

To settle, you’ll have to pursue a pay for delete agreement where you agree to pay the settlement amount so CCS can remove any negative remarks on your credit report.

Believe it or not, this can boost your credit score as much as 150 points so it’s definitely worth it. 

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If CSS gets difficult (there’s a good chance they will) and doesn’t accept the delete agreement, you may have to go to your original creditor and settle directly through them.

Once you do, you can contact CSS and ask them to remove the negative collection. 

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IRS Writes Off Millions Yearly

See if you qualify for tax relief.  Get a free consultation with a tax relief expert to see if you qualify today.

It's quick, easy, and free.

Credit Collection Services Lawsuit

Unfortunately, it’s pretty common for a collection company like CCS Collections to file lawsuits against customers who don’t pay them for the debt they owe.

If CCS Credit Collection Services does file a lawsuit against you, don’t just ignore it. Respond to it or a judge may file a summary judgment against you.

With a summary judgment, you’d be on the hook for paying back the money. The judge may even take the money directly out of your bank account.

If you find yourself in this situation, know that in most cases, it’s much cheaper to settle than to get a lawyer involved.

You Have Options

Calls and letters from a collection company like Credit Collection Services can add a lot of stress to your life.

And if you find out the CCS Collections hurt your credit score, your stress levels can skyrocket.

So do yourself a favor and use this article to help you deal with them the right way. Keep in mind, they’re not going to magically disappear.

It’s your responsibility to take control of the situation and make sure you’re not getting taken advantage of.

*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score.  Source.

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Take The Fight To The Collection Company!

Tired of harassing phone calls, rude people, and lies? Hire our customer rated top credit repair company and take the fight to them!

Consultation is quick, easy, and free.

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