Who is Credit Bureau of North America?
Credit Bureau of North America, LLC (CBNA) is a debt collection agency located in Dickson, Tennessee. They specialize in the collection of delinquent debts, particularly related to credit cards.
If you haven’t paid your credit card bill and the original creditor hires a collection agency, CBNA may appear on your credit report as a collections account.
How can I remove Credit Bureau of North America 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.
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Credit Bureau of North America, LLC Contact Information
Address:
Credit Bureau of North America
200 Creekside Dr.
Dickson, TN 37055
Phone number: (615) 229-1038 or (866) 260-3631
Should I contact or pay CBNA?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 CBNA is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBNA Collections on behalf of their clients.
Will CBNA sue me or garnish my wages?
CBNA, like other debt collection agencies, has the ability to file a lawsuit if attempts to collect the debt are unsuccessful. If they obtain a judgment in their favor, they may be able to garnish your wages or levy your bank accounts to satisfy the debt, depending on the applicable laws and regulations in your jurisdiction.
However, it’s important to note that legal action and wage garnishment are typically considered last resorts. Collection agencies often prefer to negotiate payment plans or settlements before pursuing such measures.
Credit Bureau of North America, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing 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.
Remove CBNA Collection From Your Credit Report Today!
Credit Saint offers assistance with disputing CBNA collections. 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.
