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What is Credit Control, LLC?
Credit Control, LLC is a debt collection agency headquartered in St. Louis and based in Earth City, MO that began operations in 1989. 1 They operate in all 50 states as well as in Puerto Rico and Guam.
As a third-party debt collection agency, Credit Control collects debt on behalf of other people and organizations. In addition to standard debt collection services, they also have a debt settlement program. 2
Credit Control, LLC has also been known to operate under the name “Credit Control & Collections, LLC.” 3
Who does Credit Control, LLC collect for?
Credit Control collects debt for the following industries and clients: 1
- Financial institutions
- Credit unions
- Telecom providers
- Fintech digital lenders
- Colleges and universities
- Healthcare providers
This means that if you’re hearing from Credit Control or you see their name on your credit report, it may mean they’re trying to collect payments for a personal loan, telecommunications bill, student loan, or medical bill.
Is Credit Control, LLC a scam?
No, Credit Control isn’t a scam. They’re a legitimate debt collection agency registered with the state of Missouri. 4 Credit Control is accredited by the Better Business Bureau (BBB), and they hold a membership with ACA International. 5 6
However, even though Credit Control is a legit company, they may still behave unethically. Like many other debt collection agencies, they’ve faced litigation for violating consumer rights. 3
What’s more, you should be vigilant about scammers that may pose as Credit Control representatives to collect money from you. Be sure to verify any debts you’re contacted about before you make any payments by contacting Credit Control directly using the contact information below.
VIDEO: Credit Control, LLC in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop Credit Control, LLC from calling you
Credit Control, LLC will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.
Unfortunately, Credit Control, LLC representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).
Don’t ignore debt collectors like Credit Control, LLC—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.
To begin, you can get Credit Control, LLC to stop calling you—at least temporarily—by sending them something called a debt verification letter.
Send a debt verification letter
A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Credit Control, LLC should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.
Benefits of sending a debt verification letter
Sending a debt verification letter has three benefits:
- You’ll prevent Credit Control, LLC from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Credit Control, LLC are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 7
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Credit Control, LLC to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If Credit Control, LLC can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Credit Control, LLC to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send Credit Control, LLC a letter telling them to stop contacting you. Legally, they’ll have to abide by that.
The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
How to remove Credit Control, LLC from your credit report
If your credit score is suffering as a result of Credit Control, LLC debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
You should immediately dispute the debt if it isn’t yours. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.
To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Credit Control, LLC on your credit report.
To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.
2. Negotiate with Credit Control, LLC
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Credit Control, LLC from your credit report will be very difficult (although not impossible).
Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.
However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Credit Control, LLC from your credit report:
- Pay for delete: You might be able to convince Credit Control, LLC to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Credit Control, LLC a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness.
3. Wait 7 years for Credit Control, LLC to fall off of your credit report
Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Credit Control, LLC, it will remain on your credit report.
Learn more about Credit Control, LLC’s impact on your credit score:
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections
How to deal with Credit Control, LLC harassment
Unless you tell them not to, Credit Control, LLC will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.
Restrictions on Credit Control, LLC
When attempting to collect payments from you, Credit Control, LLC must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.
Credit Control, LLC representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Credit Control, LLC if they do something illegal.
Can I sue Credit Control, LLC for harassment?
Yes, you can sue Credit Control, LLC for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Credit Control, LLC will also have to pay your attorney fees and court costs.
How to file a complaint against Credit Control, LLC
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Credit Control, LLC.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Credit Control, LLC, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Credit Control, LLC to court.
Should you pay Credit Control, LLC?
You should only pay a collection agency like Credit Control, LLC if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.