Credit Service Company, Inc. is a full-service collection agency in Colorado Springs, Colorado, founded in 1947. It handles third-party and legal collections for medical, veterinary, government, education, financial, commercial and utility clients.
- Type
- Collection agency
- Also known as
- Credit Service Company, Inc.; Credit Service Company, INC; CSC
- Headquarters
- Colorado Springs, CO
- Collects
- medical and veterinary bills, government receivables, school and education accounts, financial institution accounts, utility bills, commercial accounts
- Phone numbers it lists
- (719) 634-3766, (800) 467-3766, (719) 634-1357, (888) 634-1357
- Website
- creditservicecompany.com
75 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Service Company 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 Service Company?
Credit Service Company, Inc. has been in business in Colorado Springs since 1947, according to its website and its Better Business Bureau profile. Its office is at 2150 Lelaray Street, Colorado Springs, Colorado 80909. It calls itself a full-service collection agency handling both third-party recovery and legal collections, and it identifies as a service-disabled veteran-owned small business. Dave Cannella is listed as president and CEO.
The company publishes two sets of numbers: a business office at (719) 634-3766 or (800) 467-3766, and customer assistance at (719) 634-1357 or (888) 634-1357. Its general mailing address is P.O. Box 1120, Colorado Springs, CO 80901. Disputes go to a separate box, P.O. Box 2247, Colorado Springs, CO 80901.
We did not find a CFPB enforcement action against Credit Service Company.
Why Credit Service Company May Be Contacting You
The company lists a wide client mix: healthcare providers, veterinary practices, government entities, schools and education systems, financial institutions, utilities and commercial businesses. A letter could relate to a doctor's bill, a pet's emergency care, a county or city fee, a school balance, a credit union loan or a final utility bill.
Because it also does legal collections, some accounts it handles may be referred to attorneys for a lawsuit. If you receive court papers about one of its accounts, note the answer deadline right away.
How to Check a Debt Credit Service Company Says You Owe
Use the dispute address. If you dispute in writing within the validation period described in your notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), mailing it to the dispute P.O. box the company publishes avoids delay. Keep a copy and proof of mailing.
Ask for the client's own records. For a veterinary or medical bill, that's the itemized invoice and any payments or insurance credits. For a utility, it's the final bill with service dates. For a school account, it's the ledger showing charges and aid applied. Also ask whether the client still owns the account.
Check the timeline. Texas has a four-year limitation period for most consumer debt suits (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Colorado and other states have their own periods.
What Credit Service Company Can and Can't Do
A collection agency collecting consumer debts owed to its clients is a "debt collector" under 15 U.S.C. § 1692a(6). If an attorney files suit on one of its accounts, that lawyer can also be a debt collector (Heintz v. Jenkins, 514 U.S. 291 (1995)).
- It must pause collection after a timely written dispute until it mails verification (15 U.S.C. § 1692g(b)).
- It may not report a medical debt to credit bureaus before communicating with you (12 C.F.R. § 1006.30(a)).
- It may not collect interest, fees or charges unless your agreement or the law permits them (15 U.S.C. § 1692f(1)).
- It may not contact you at inconvenient times, generally before 8 a.m. or after 9 p.m. your time (15 U.S.C. § 1692c(a)(1)).
For help, visit our 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 Service Company 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 Service Company: home page
- BBB business profile: Credit Service Company, Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Credit Service Company, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Service Company has violated any law. Company details change; tell us if something here is out of date.