Have you been getting calls from a company called CCS Offices? They are a debt collection agency. This means you probably have some unpaid bills that have been sent to collections, just like over 60 million other Americans. Collections can happen to anyone, but know that it can hurt your credit score. Low scores make it harder to get loans, credit cards, or rent an apartment. So it’s important to remove collection accounts so they don’t damage your credit any further. Here are 3 simple steps to delete CCS Offices off your credit report.
Is CCS Offices A Legitimate Business?
CCS Offices is a collection agency with a headquarters in Norwood, Massachusetts. They have several different divisions that operate under the Credit Collection Services Companies umbrella. Their businesses collect unpaid debts for many types of companies – credit cards, medical providers, banks, utilities, and more. CCS Offices is known for calling debtors frequently to get them to pay their bill, which consumers find annoying. Their aggressive methods to contact you can be a pain, but you don’t have to accept collections tactics (like aggressive phone calls, or threats to sue you) that are illegal.
Your Consumer Rights
Step 1: Validate The Debt
Step 2: Dispute The Debt
If CCS Offices reports your debt to the credit bureaus, check for any mistakes. Do they have the right name or debt amount? Have you already paid off the debt? Is the original creditor someone you actually had an account with?
If not, file a dispute with CCS Offices within 30 days of the time they contact you. Also, file the dispute with Equifax, Experian, and TransUnion. Show proof the info they have is incorrect, like old statements, canceled checks or online payment records that you have. CCS Offices has the obligation to investigate your claim and fix errors within 30 days. If they do not, they must delete the account.
Step 3: Make a Deal – Pay for Delete
You can also ask to make small monthly payments. If you pay consistently, ask CCS to change your account status on the account to “paid collections.” This can be more favorable on your credit report than “unpaid” status.
Get Help Negotiating with CCS Offices
Moving Past A Collections Account
To keep CCS Offices and other debt collectors from taking your credit score, be careful to pay all bills on time. Use extra caution when you apply for new loans or credit cards if your budget is stretched. Also, check your credit reports regularly for any mistakes. If you see errors, dispute them right away so your score doesn’t drop.
Now that you are armed with knowledge, you are ready to take action. You can start these 3 simple steps to delete CCS Offices off your credit report today. Remember: know your rights, ask for verification, dispute errors, negotiate removal, and monitor your credit closely. Don’t let invalid collections drag down your score. You’re heading toward a solid financial future and a better credit score.