Credit Control, LLC is a collection and receivables management company based in Earth City, Missouri. It collects for banks, credit unions, digital lenders, telecom providers, schools and health systems, so its letters usually concern an account one of those clients placed with it.
- Type
- Collection agency
- Also known as
- Credit Control
- Headquarters
- Earth City, MO
- Collects
- bank and credit card accounts, credit union loans, fintech and online loans, telecom and cable accounts, college and university balances, hospital and healthcare bills
- Phone numbers it lists
- (888) 365-7145
- Website
- credit-control.com
3,203 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Control, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Credit Control, LLC?
Credit Control, LLC is a collections and receivables management company that says it has operated since 1989. Its website gives a headquarters address of 3300 Rider Trail S, Suite 500, Earth City, Missouri 63045, in the St. Louis area, and says the company has more than 500 employees and is licensed to collect in all 50 states, Puerto Rico and Guam. An earlier company press release listed a Hazelwood, Missouri office, so older letters may show that address.
The company lists NMLS #870875 and an RMAI Certified Receivables Business number on its site, and it describes itself as a debt collector. Its consumer line is (888) 365-7145.
Why Credit Control May Be Contacting You
Credit Control's About page names the kinds of clients it works for: large banks and financial institutions, credit unions, fintech digital lenders, national telecom and cable providers, colleges and universities, and hospital systems and healthcare providers. A letter, call or text from Credit Control could therefore involve a credit card or personal loan, an online installment loan, a final phone or cable bill, a school balance or a medical bill.
The business named as the creditor in the first notice is the best clue. If that name does not match any account you recognize, treat the notice with care and dispute it in writing rather than paying to make the calls stop.
How to Check a Debt Credit Control Says You Owe
Because Credit Control's clients range from banks to hospitals, the documents worth requesting depend on what kind of account it is.
- Use the validation notice as your checklist. Under 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34), the notice shows the creditor, the itemization date, and interest, fees, payments and credits since then, plus the date by which you must dispute.
- Dispute in writing within that period. For a loan or card, ask for the last statement and the account-opening documents. For a medical bill, ask for an itemized bill showing dates of service and what insurance paid.
- Ask who the creditor is today. Some of Credit Control's clients are lenders that later sell accounts. You are entitled to know whether the original creditor still owns the debt.
- Reconcile the amount. Compare the balance with your own statements, insurance explanations of benefits or final bills.
- Know the time limit. Texas law generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states apply different periods.
What Credit Control Can and Can't Do
Credit Control collects debts owed to other companies, which makes it a "debt collector" under the FDCPA, 15 U.S.C. § 1692a(6). Points that come up with the accounts it handles:
- Medical debts: the three national credit bureaus have said they no longer include paid medical collections or medical collections under $500 on credit reports. See our update on medical debt reporting changes.
- Call limits: more than seven calls within seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
- Workplace contact: it may not contact you at work if it knows or has reason to know your employer prohibits it (15 U.S.C. § 1692c(a)(3)).
- Telling others: it generally may not discuss your debt with relatives, coworkers or neighbors, other than to find your location (15 U.S.C. §§ 1692b, 1692c(b)).
Even a valid debt must be collected lawfully. If you think Credit Control went too far, see our FDCPA attorneys page or read whether a collector can contact your family or employer.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credit Control, LLC or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Credit Control: home page
- Credit Control: About Us
- Credit Control press release on Newswire (company boilerplate)
- CFPB Consumer Complaint Database: Credit Control, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Control, LLC has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.