Credit Service International Corp is a collection agency based in Hudson, Wisconsin, that says it grew out of more than 15 agencies. It collects past-due accounts for its clients, with an emphasis on patient accounts.
- Type
- Collection agency
- Also known as
- Credit Service International Corp; Credit Service Intl. Corp; CSI
- Headquarters
- Hudson, WI
- Collects
- delinquent consumer and patient accounts
- Phone numbers it lists
- (866) 844-2358, (800) 584-9407
- Website
- achievecontact.com
282 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Service International Corp 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 International?
Credit Service International Corp, which calls itself CSI, is a third-party collection agency headquartered at 512 2nd Street in Hudson, Wisconsin. Its website says the company dates to 1962 and describes it as a consolidation of more than 15 collection agencies. The BBB lists the same 1962 start date, names John Hanson as president, and records "Credit Management Control" as an alternate name. The site also gives a mailing address in Neenah, Wisconsin.
CSI's published state disclosures list a California collection agency license (No. 10478-99), a North Carolina permit issued through the Department of Insurance, and licenses in Minnesota, Tennessee and Wisconsin. They also show a local office in Montrose, Colorado.
Why Credit Service International May Be Contacting You
CSI describes its work as collecting delinquent receivables while focusing on "the consumer and patient experience," which signals that a large share of its accounts come from healthcare providers. Its website does not name specific clients. In practice, a CSI letter or call is likely to concern a clinic, hospital or other provider balance, or another past-due account a business has handed off. Because CSI is a consolidation of many smaller agencies, the name on your notice may be the only clue to which original creditor is involved, so read it carefully.
How to Check a Debt Credit Service International Says You Owe
- Find the original creditor on the validation notice. CSI must give you a notice naming the creditor, itemizing the balance and stating your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If the creditor name is unfamiliar, that is a reason to dispute.
- For a medical bill, compare it to your explanation of benefits. Many patient balances shrink once insurance is billed correctly. Texas also requires many providers to send an itemized bill before collecting; see our S.B. 490 update.
- Dispute in writing within the validation period. Ask for the itemized statement and the date of service. CSI must pause collection until it sends verification.
- Ask who owns the account. Confirm whether the provider still owns it or it was sold.
- Watch the limitations period. In Texas, most suits on consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different deadlines.
What Credit Service International Can and Can't Do
As a company that regularly collects debts owed to others, CSI is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). Some specific limits:
- The three nationwide credit bureaus have said they do not report paid medical collections or medical collections under $500; read our medical debt reporting update.
- CSI may not call more than seven times in seven days about one debt without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
- It may not tell your employer, family or friends about the debt, beyond limited contacts to find you.
- It may not collect any amount the provider's agreement or the law does not allow (15 U.S.C. § 1692f(1)).
We did not find a CFPB enforcement action against Credit Service International. If you believe CSI crossed a line, 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 Service International 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 International: home page
- Credit Service International: state disclosures
- BBB business profile: Credit Service International
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Credit Service International Corp, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Service International has violated any law. Company details change; tell us if something here is out of date.