Credit International Corporation is a collection agency in Bothell, Washington, near Seattle, operating since 1987. It collects for property managers, financial institutions, retailers, small businesses and judgment plaintiffs, and runs a returned-check collection service under the CCV name.
- Type
- Collection agency
- Also known as
- Credit International Corp.; CIC; Computer Check Verification; CCV; Patient Payment Solutions
- Headquarters
- Bothell, WA
- Collects
- property management balances, bank and financial institution accounts, retail accounts, returned checks, judgments
- Phone numbers it lists
- (800) 936-1809, (800) 487-4021
- Website
- ccvcorp.com
61 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit International Corporation 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 International Corporation?
Credit International Corporation (CIC) is a collection agency at 10413 Beardslee Boulevard in Bothell, Washington. Its website says it has worked in collections and accounts receivable management since 1987, and the Better Business Bureau shows the corporation was incorporated on September 29, 1987. The BBB lists Computer Check Verification (CCV) and Patient Payment Solutions as other names, which explains why its web address is ccvcorp.com. The company says it serves large national clients as well as small and mid-sized businesses. We did not find a CFPB enforcement action against Credit International Corporation.
Why Credit International Corporation May Be Contacting You
CIC lists its client industries as judgment plaintiffs, property management, financial institutions, small business, commercial and retail. Its services include accounts receivable collection, "CCV Check Collections" for returned checks, a "Debt Recycling Program" and legal services. In practice, a letter from CIC may be about:
- a bounced check written to a store or business;
- rent or damages a former landlord says you owe;
- a charged-off bank or credit union account;
- a court judgment that a creditor has handed to CIC to collect.
The website does not explain the Debt Recycling Program, and we could not confirm whether CIC buys debts. Ask whether it is collecting for someone else or owns the account itself.
How to Check a Debt Credit International Corporation Says You Owe
- Start with the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a check, it should identify the payee, the check date and the amount; for rent, the landlord and the lease.
- Dispute in writing within the validation period. Ask for a copy of the returned check and bank return notice, or the lease, move-out statement and ledger.
- If a judgment is involved, get the court, cause number and judgment date, and check the court's records yourself.
- Look at added charges. Returned-check fees and interest must be authorized by agreement or law.
- Know the deadlines. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Judgments follow different rules, and Washington and other states have their own limits.
What Credit International Corporation Can and Can't Do
CIC collects consumer debts owed to others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not threaten arrest or criminal prosecution over a bounced check to pressure payment (15 U.S.C. § 1692e(4)–(5)).
- It may not collect a returned-check fee or interest that the law or your agreement does not allow (15 U.S.C. § 1692f(1)); see whether a collector can add fees.
- In Texas, wages cannot be garnished for an ordinary consumer debt (Tex. Const. art. XVI, § 28).
- It may not make more than seven call attempts in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If you think CIC broke the rules, see our Texas FDCPA attorneys page.
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 International Corporation 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 International Corp.: home page
- Credit International Corp.: About CIC
- BBB business profile: Credit International Corporation
- CFPB Consumer Complaint Database: Credit International Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit International Corporation has violated any law. Company details change; tell us if something here is out of date.