Credit World Services, Inc. is a collection agency in Mission, Kansas, in business since 1978. It collects for higher education, medical, utility and commercial clients, so its calls and letters usually concern a school balance, a medical bill or a utility account.
- Type
- Collection agency
- Also known as
- Credit World Services, Inc.
- Headquarters
- Mission, KS
- Collects
- higher education balances, medical bills, utility bills, commercial accounts
- Phone numbers it lists
- (800) 844-4084
- Website
- creditworldservices.com
37 debt collection complaints were sent to the Consumer Financial Protection Bureau about CREDIT WORLD SERVICES, INC. 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 World Services?
Credit World Services, Inc. says on its website that it "is a debt collection agency" and that it has provided collection services since 1978. It is located at 6000 Martway Street, Mission, Kansas 66202, in the Kansas City area. Its toll-free number is (800) 844-4084, and its email is [email protected]. The website lists office hours, in Central time, of 8 a.m. to 6 p.m. Monday through Wednesday, 8 a.m. to 5 p.m. Thursday, and 8 a.m. to 4 p.m. Friday. It has an online payment portal.
Why Credit World Services May Be Contacting You
The company names four client groups: higher education, medical, commercial and utility organizations. For consumers, that usually means one of these:
- A school balance. Unpaid tuition, fees, housing or a returned-aid charge owed directly to a college. This is different from a federal student loan.
- A medical bill from a hospital, clinic or physician practice.
- A final utility bill left on a closed account after a move.
How to Check a Debt Credit World Services Says You Owe
School, medical and utility balances each come with their own records, so ask for those.
- Read the validation notice. It must name the school, provider or utility and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing before the deadline it lists.
- School balances: Ask for the student account ledger showing each charge, the financial aid applied, and any aid that was reversed after you withdrew.
- Medical bills: Ask for an itemized statement and compare it with your insurer's explanation of benefits. In Texas, a licensed health care facility can't pursue collection until it sends an itemized bill (SB 490).
- Utility bills: Compare the final meter reading and the date service ended with your move-out date, and ask whether your deposit was credited.
- Check the age of the debt. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Kansas and other states have their own periods.
What Credit World Services Can and Can't Do
Because it collects debts owed to its clients, Credit World Services is a "debt collector" under 15 U.S.C. § 1692a(6). That means it:
- May not threaten a lawsuit or other action that can't legally be taken or isn't intended (15 U.S.C. § 1692e(5)).
- May not add collection costs your agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).
- May not call before 8 a.m. or after 9 p.m. your time, or more than seven times in seven days about one account (15 U.S.C. § 1692c(a)(1); 12 C.F.R. § 1006.14(b)(2)).
- Must stop contacting you, except for limited notices, after you ask in writing (15 U.S.C. § 1692c(c)).
We did not find a CFPB enforcement action against Credit World Services. See how often a collector can call or 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 World Services 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 World Services: home page
- CFPB enforcement actions list (checked all pages)
- CFPB Consumer Complaint Database: CREDIT WORLD SERVICES, INC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit World Services has violated any law. Company details change; tell us if something here is out of date.