Credit Collection Services, known as CCS for short, is one of the largest debt collection agencies in the US. This company is a part of the CCS Companies, so when you look at your credit report, you may see a collection with the creditor listed as “CCS” or “Credit Collection Services”.
If you’re getting hassled by CCS, which represents many high-profile American creditors, you should know that this established team of debt collectors are known to use shady tactics when it comes to debt collection.
That said, by taking the right steps, you can stop the annoying and distressing calls and you’ll be able to put your experiences with Credit Collection Services behind you.
Knowing Your FDCPA Rights
Harassing calls from a debt collection company tends to trigger a range of unpleasant emotions, from anxiety to fear to anger to frustration and beyond.
The problem is that 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.
These rules are collectively known as the Fair Debt Collection Practices Act. FDCPA 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.
Many times this will stop them in their tracks.
With this in mind, I’ll walk you through the process of removing Credit Collection Services (CCS) from your credit report.
How to Deal with CCS
Now, let’s get into the details. The first thing that you will need to do, whether you’ve been getting phone calls from CCS or received a letter from Credit Collection Services, is to send a letter to the company which requests “snail mail” communication only. The goal of this is to ensure that there is always a written record of what transpires between you and CCS.
With phone calls, there won’t be a record. This means that the debt collection company could, in theory, go back on its word to you and then deny having given its word. Snail mail is the best way to protect yourself.
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.
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 letter. It’s really important!
How to Remove CCS From Your Credit Report
1. Have Them Prove the Debt is Yours
Now, let’s move forward to Step Two, which must be completed within 30 days of the first time that CCS got in touch with you.
Keep this deadline in mind and act fast. Things will be harder for you if you don’t.
Step Two is all about getting the negative entry wiped off of your credit report. The best way to get the job done is to put the onus on CCS. Send the company another letter, asking them to show you proof that the debt in question is rightfully yours. You are allowed to make this request. It’s perfectly legal and proper, and generally called a Debt Validation Letter. This right is granted to you via the Fair Debt Collection Practices Act.
The reason why this works is that CCS probably purchased the debt. This means that you’re not dealing with the initial creditor. Since CCS bought the debt, the company may not be able to prove that it’s a valid debt. The company may lack data related to the debt. Another scenario is that the debt data isn’t complete or is inaccurate.
If Credit Collection Services is unable to validate your debt, the company will be mandated by law to stop trying to collect on the debt. The company will also need to remove the negative entry from your credit report.
2. Negotiate to Remove the Collection
Sometimes, the debt validation letter doesn’t work out. The company may be able to validate the debt. This means that the negative entry remains and that the company is free to continue contacting you, with a mind to getting money from you.
If the debt validation letter didn’t work out, don’t give up hope. It’s often possible to do deals with collection companies like CCS. To negotiate, you should offer to pay half of what you owe, upon the condition that Credit Collection Services will remove the negative entry from the credit report upon receipt of your payment.
CCS may haggle with you. Try to come to an agreement which is fair. Your credit rating is important. If you need to pay a bit more than fifty percent to get a bad entry removed, it’s worth it in terms of your financial future.
Always negotiate and do everything else in writing…never, ever do it over the phone!
If you and CCS come to an agreement about payment terms, avoid granting the company access to your bank account. Instead, write up a check and mail it in. Thirty days afterward, follow up with a letter to make certain that the negative entry has been taken off of your credit report. If it hasn’t been, send yet another letter requesting that this be done.
3. Hire a Professional
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 Credit Saint.
They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Check out their website.