If you are in the middle of paying a debt, you might receive calls threatening by Credit Collection Services (CCS) Offices. CCS Offices is a third-party collection agency that will collect debts on behalf of the original creditor either by buying or collecting the debt and then keeping a part as a payment. To do this, they must establish an account for collection on your credit file and verify that it has the authority to take over the debt.
A collection record on your credit report can be extremely detrimental to your credit rating. Thee bestwayd to fix it and avoid further damage is to eliminate this CCS office entry from your credit report immediately.
What are CCS Offices?
CCS Offices is a legitimate medium-sized debt collection company headquartered in Norwood, Massachusetts. It was founded as a part of Delaware beginning in the year 1969. The company earns money by acquiring creditors’ debts or buying loans from creditors across various sectors, such as financial services, health care utilities, insurance, and utilities.
Unfortunately, CCS Companies — aren’t very popular with customers. There are more than 22,000 complaints that are on file with the Consumer Financial Protection Bureau and more than 1,000 complaints filed against it with the Better Business Bureau in the last three years. These complaints concern infractions of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act, including:
- Harassment
- Failure to answer requests for debt validation
- Inaccurate reporting
The steps to eliminate CCS Offices from your credit reports
Follow these steps to remove the CCS Offices collection account removed from your credit report:
- Verify the credit
- Request a goodwill deletion
- Set up a payment-for-delete arrangement
- Get help from an experienced professional
Confirm the loan
The first thing to do is check the specifics of the debt. By the FDCPA, it is your right to request the CCS Offices for tangible evidence that the debt is owned by you and has been authorized to take it to court. It is required to submit an official letter of debt validation that you must send within the first 30 days after the CCS Offices’ initial call to avoid problems.
How can I ask for debt validation?
Your letter of debt validation In your debt validation letter, you should request it to provide information about the debt, like your name, the initial creditor and the amount of debt, and the date of acquisition. After receiving your letter, CCS Offices must provide documents confirming the debt. Take a close look at the letter, and note anything that appears incorrect or untrue.
This isn’t the original creditor, and it’s not uncommon for data to be lost or misplaced when transferring it to a debt collector. Identity theft is also a possibility. So, CCS Offices may have inaccurate or false information. If it is, CCS Offices must remove the information from your credit report and end collecting. This means you might not be required to settle the debt in any way.
Request a goodwill deletion.
If you have paid off your debt in full, do not be concerned. You still have the option of removing the account on your credit report by contacting CCS Offices to grant a goodwill deletion. This is the process where you request that CCS Offices stop reporting the debt on one of the credit bureaus as a gesture of goodwill. This usually happens if you’ve paid off the debt and you can prove that you have made timely payments.
You may request a deletion of your goodwill in a letter addressed to CCS Offices describing the reason behind your late payment and why you’d like the organization to remove the account. In this case, for example, you’re trying to get a mortgage or buy an automobile. Ensuring that your letter is genuine and professional is important because CCS Offices is more likely to accept your request if it’s genuine and polite rather than insisting.
Set up a payment-for-delete arrangement.
If CCS Offices confirms the debt, the first step should be to reach a settlement agreement, specifically, a pay-for-delete agreement. This is where it agrees to delete the collection record on your credit file in return for the repayment of the due. Agencies typically will accept less than the total amount. However, it will need negotiations.
You might consider offering to pay this only half of the amount due initially and then bargain until you have reached an agreement. Request the agreement’s terms in writing prior to you making your initial payment, and do not give the agency access to your bank account.
Working with CCS Offices
Nobody likes dealing with a debt collector; however, it’s important to address the situation quickly to avoid causing harm to your credit score. The removal of a CCS Offices Collection account is the best method to get your credit score back in line and get further toward reaching those financial targets.
Making your credit score better is a procedure and a goal that can be achieved. Many publications are available to help you find more information and tips on how to increase your credit score and improve your budgeting habits.
