Credit Service International on Your Credit Report? Fight Back and Win

Last Updated:
June 16, 2023

If you're one of the millions of people struggling to make ends meet due to piling debt, being contacted by Credit Service International certainly won't help the situation. This collection agency has a reputation for being overly aggressive and relentless in their pursuit of payments on delinquent accounts - but don't worry, it is possible to beat the company and take control of your financial health. 

In this blog post, we'll provide some tips for successfully handling Credit Service International Debt Collections and regaining control over your finances. With this guidance, you can rest assured knowing that with hard work, determination, and a little bit of know-how.

What Does Credit Service International Do?

Debt collectors like Credit Service International - a Wisconsin-based agency founded in 1962 - specialize in buying delinquent debts from creditors for pennies on the dollar.

They purchase these debts with the intention of seeking payment or repayment from the people they were initially owed to. It's often a difficult and long process of communication, as debt collectors must employ various methods in order to reach the debtor (calls, emails, letters).

In some cases, they may turn to more extreme tactics such as collection lawsuits if contact cannot be made or if the debt remains unpaid. The end goal for all debt collectors is to collect the full amount that the original creditor had asked for prior to selling or charging off the debt.

Is Credit Service International a Legitimate Company?

Yes, Credit Service International is a legitimate debt collector. Many consumers mistake the company for a scam and ignore any correspondence they receive - this can result in additional penalties and even lawsuits down the line.

Contact Information:

  • Phone Number: (715) 386-0424
  • Address: 516 2nd St Ste 6 Hudson, WI 54016-1551
  • Website:
  • BBB Rating: 1/5 

Despite being legally entitled to collect debts, Credit Service International's reputation is far from perfect, with a 1 out of 5-star rating from the Better Business Bureau. Complaints include unethical practices and poor customer service that has left consumers feeling powerless and taken advantage of. 

Knowing this, it can be difficult for people caught up in debt collection proceedings with Credit Service International to know what action to take, but it is important to remember that there are resources available that can provide assistance if you're being treated unfairly.

Why Am I Getting Phone Calls from Credit Service International? 

If you've been contacted by Credit Service International, it's likely that they believe you have an outstanding debt. Before assuming responsibility or making any payment arrangements, it's important to verify the legitimacy of the debt and make sure that all details are correct. 

Additionally, there may be circumstances where the debt attributed to you is not legitimate at all; for instance, if it’s under your name but not actually yours or if the amount being sought is incorrect. Other circumstances include the following:

  • Paid Debts

These are all debts that have already been paid in full and should not appear on any credit report.

  • Non-Existent Debts

Debts that are either not yours, or were never incurred by you, should not appear on a credit report.

  • Identity Theft Accounts

If an account was opened fraudulently using your name or other personal information, it does not belong on your credit report and should be reported as soon as possible.

  • False Reporting of Late/Unpaid Debts

Any debt that is incorrectly reported as late or unpaid on a credit report should be disputed and removed as soon as possible.

Get in touch with our firm today to discuss your options. We will review your case for free, identify disputable errors, and dispute them on your behalf. This will ensure your credit report is accurate and up-to-date.

What Can I Do If I’m Being Harassed by Credit Service International?

Credit Service International and other debt collectors may employ aggressive tactics in their attempt to collect a debt. It is important for consumers to be aware of their rights as specified under the Federal Debt Collection Practices Act (FDCPA). 

This law not only outlines the language collectors must use but also specifies that calls should only occur during certain hours, prohibiting them from making contact outside this time window. In addition, debt collectors may not treat consumers in an unfair or derogatory manner, having to maintain a professional demeanor at all times. 

Awareness of these rights can help ensure consumers are treated with care and respect if contacted by Credit Service International or other debt collection agencies. Some prohibitions under federal law include the following:

  • Making false or unsupported claims about a consumer’s debt, such as exaggerating the amount, misrepresenting the status of a debt, or presenting it as if it was already court-ordered.
  • Contacting the consumers at inconvenient times or places in direct violation of state and federal laws, such as early in the morning or late at night, when on vacation, or contacting them at their place of employment.
  • Sending letters that falsely appear to be sent from a government agency or lawyer in order to intimidate consumers into paying debts they don’t actually owe.
  • Using harassing language such as profanity and threats of taking legal action when none is intended.
  • Attempting to collect more than what is owed by charging excessive fees and interest rates beyond what is allowed by law.
  • Disclosing confidential information about a consumer's debts to third parties without permission or authority to do so.
  • Refusing to provide proof that a debt is legitimate and accurate upon request by the consumer for verification purposes.
  • Making unsolicited contact with consumers via phone calls even after being instructed not to do so by the persons receiving them.

Knowing your rights as a consumer is the best way to protect yourself from any potentially unfair tactics Credit Service International may attempt. Documenting any communication or transactions—with written proof if possible—gives you important evidence should any violations occur and allows you to take legal action, if necessary.

If this is the course of action you want to pursue, be sure to seek advice from an experienced attorney who can provide you with helpful guidance.

Contact Us For Your Free Case Review

At Fair Credit, we are dedicated to protecting consumer rights and bringing an end to the undue stress typically associated with collections agencies. We understand that working through a difficult financial situation can be daunting, which is why our team of knowledgeable legal experts will provide you with the support and guidance needed throughout your case to ensure that Credit Service International does not bring any further damage or harm. 

Our extensive expertise and vast resources enable us to skillfully manage delicate financial issues and offer our clients the best possible outcomes. Our mission is twofold - work diligently and quickly to deliver successful resolutions while upholding consumers’ rights. Don’t let debt collectors overwhelm you, contact Fair Credit today for a free case review.

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