How to Remove CBSA Collections From Your Credit Report

Who is CBSA Collections?

CBSA Collections, also known as Credit Bureau Services Association, is a debt collection agency based in Stillwater, Oklahoma. As a third-party debt collector, they are tasked with pursuing overdue bills on behalf of different creditors.

If you notice CBSA Collections on your credit report, it implies that the company is attempting to recover a debt you owe, which can occur if a bill isn’t paid in due time.

Who does CBSA Collections collect for?

CBSA Collections provides services to various types of creditors, with a particular focus on the medical, utilities, and student loan sectors. These creditors may include hospitals and healthcare providers, utility companies, and educational institutions or lenders.

Is CBSA Collections legit or a scam?

CBSA Collections is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt’s validity before agreeing to any payments.

How can I remove CBSA Collections from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

CBSA Collections Contact Information

Address:

CBSA Collections
123 W 7th Ave Ste 300
Stillwater, OK 74074

Mailing address:

CBSA Collections
P.O. BOX 1929
Stillwater, OK 74076

Phone number: (405) 372-1693

Should I contact or pay CBSA Collections?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with CBSA is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBSA Collections on behalf of their clients.

Will CBSA Collections sue me or garnish my wages?

CBSA Collections does have the legal right to sue you in court for the unpaid debt. If they win the lawsuit, they may be granted a judgment which could lead to wage garnishment, a bank levy, or even a lien on certain assets. However, they typically resort to these measures only when other collection attempts, such as calls and letters, have been unsuccessful.

CBSA Collections Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by CBSA Collections, you should also file a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with CBSA Collections

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for CBSA Collections to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• CBSA Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• CBSA Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• CBSA Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove CBSA Collections From Your Credit Report Today!

Credit Saint offers assistance with disputing CBSA collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.