Credit Collection Services on Your Credit Report? Fight Back and Win

Last Updated:
April 11, 2023

If you have a debt that's currently in collections, chances are you've fallen on some financial hardships. There's nothing worse when you're going through a difficult time financially than the constant buzzing of your phone with calls from debt collectors. 

If Credit Collection Services (also known as “CCS Offices”) is one of the companies calling you on a daily basis, it's important to learn more about who the company is, what they do and what your rights are when they contact you.

In this article, we will walk you through everything you need to know about CCS so you can get the phone to stop ringing and take back control of your financial health.

What Does Credit Collection Services Do?

Credit Collection Services, also known as CCS Collections, is one of the biggest debt collection agencies in the United States.  Founded in Norwood, Massachusetts in 2002 by founder and CEO Peter D'Orsi, Credit Collection Services/CCS Collections has grown exponentially over the past two decades. The company now employs hundreds of people across multiple locations in America, generating well over $50 million in annual revenue.  

Contact Information: 

  • Phone Number: 617.965.2000 x 4491 
  • Website: 
  • Better Business Bureau Rating: 1/5

In addition to its headquarters – which services all types of banking, financial services, healthcare and utilities accounts – Credit Collection Services also has branches dedicated to specific industries such as insurance companies.

Is Credit Collection Services a Legitimate Company?


For many people in debt, receiving a call from Credit Collection Services/CCS Collections can be stressful and intimidating. Despite their sometimes aggressive approach to debt collection, it's important to remember that the company operates within the confines of the law and is legitimate business – don't ignore them under the misapprehension that it's a scam.

Why Am I Getting Phone Calls from Credit Collection Services?

If Credit Collection Services is calling you, don’t just hang up the phone – even if you don’t believe the debt is legitimate. In most cases, unrecognized collections activity is due to a bill that slipped the customer’s mind or wasn’t received at the correct address. However, there are cases where the debt is not legitimate either because the creditor has the wrong customer information on file or because the amount reflected is inaccurate.

Here are a few things to keep in mind if you don’t recognize a debt: 

  • Debts that have been paid in full should be reflected on your credit report as such. Make sure to check your credit reports periodically to ensure this information is accurately reported.
  • If you find accounts on your credit report that are not yours or were opened due to identity theft, contact the credit bureaus immediately to dispute them and get them removed from your report.
  • Falsely reported late or unpaid debts can have a negative impact on your credit score. It's important to carefully review each item listed on your credit report and dispute any inaccurate entries promptly.
  • If a debt collector is claiming you owe money for a debt that you know isn't yours, make sure you contact Fair Credit and let us know the details of your situation. We provide a free case review and handle the dispute process on your behalf. 

If you find out any item on this list applies to your situation, it’s important to take action immediately. Get in touch with Fair Credit if you need to dispute any errors on your report.

Additionally, if you believe that you’ve been the victim of identity theft, you’ll need to file a police report and dispute the account on you credit report. Because of the complexity of incorrect collections accounts, it’s best to work with an attorney that can help walk you through the process.

Who Does Credit Collection Services Collect For?

Credit Collection Services collects for companies in nearly every industry. Most of the debt they purchase or are hired to collect for is related to cable, banks, financial services, telecommunications, education, retail and utilities. It’s important to note that your rights when it comes to collections activities vary based on the type of debt.

For instance, new guidelines and regulations under the Biden-Harris administration established a range of federal protections for those suffering with medical debt – including restrictions on when medical debt can legally be reported to the three credit bureaus. To learn about your specific rights under the law, you’ll need to work with attorney with experience in this area that can provide further counseling.

What Can I Do If I’m Being Harassed by CCS?

If you’ve been contacted by CCS, it’s important to know your rights under federal law. The FCPA act (enacted in 1978) is a set of regulations designed to protect the rights of debtors and ensure that debt collectors are held accountable for their actions. It lays out a range of rules that must be followed, including limits on when they can contact you, who they can contact, and how they can communicate with you.

Illegal behaviors under this law include the following: 

  • Harassing debtors by engaging in oppressive or abusive behavior, such as using profane language, causing the debtor to suffer emotional distress, or making repeated phone calls to the debtor's home and/or work.
  • Misrepresenting the amount, nature, or legal status of a debt.
  • Threatening legal action that is not actually permitted by law.
  • Using false statements to collect from the debtor or deceive them in some way.
  • Publishing any list of debtors who allegedly refuse to pay their debts.
  • Contacting third parties such as friends and family members in order to collect a debt without first obtaining permission from the debtor.
  • Attempting to collect additional fees or interest on an existing debt beyond what is allowed by law.
  • Failing to provide written notice of the amount owed within five days of initial contact with the debtor.

In addition to these rules, debt collectors are also prohibited from engaging in deceptive practices such as falsely claiming to be law enforcement officers or government representatives in order to pressure debtors into paying up.

In short, this law serves as an important safeguard against unethical and potentially illegal activities on behalf of CCS or any other collections agencies – helping to ensure that consumers are treated fairly and with respect during difficult financial times.

Contact Us for Your Free Case Review

At Fair Credit, our mission is to make sound financial advice accessible by providing clear guidance while giving people the tools they need so they can confidently make decisions about their own finances. With our help, you can reclaim ownership over your financial future without breaking the bank.

Don't hesitate – reach out now for your free case review with one of our trusted advisors.

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