Table of Contents
- 1 Is CBCS Hurting Your Credit Scores?
- 2 Have You Been Getting Calls From CBCS?
- 3 Validate the Debt First
- 4 Try to Make a Deal
- 5 Removing CBCS From Your Credit Report
- 6 How To Contact CBCS
- 7 Falling Into Bad Credit
- 8 Lexington Law Saved the Day
- 9 Lexington Law Changed My Life
- 10 Life Got Better
- 11 Collections Removed from My Credit Report:
- 12 Client Testimonials:
- 13 Remove CBCS from Your Credit Report Now!
Is CBCS Hurting Your Credit Scores?
CBCS is an aggressive collection agency that can harass you constantly and adversely impact your credit score. If you have had the misfortune of dealing with CBCS, there are several things you can do to get them off your back and get your credit score on the road to recovery.
Have You Been Getting Calls From CBCS?
If CBCS collection agency has been calling you, don’t panic. Remember, they are calling you and you don’t know who they are. Make sure they can provide details for the bills you owe and the account information is correct. Collection agencies are after your money however they can get it, so make sure you put the burden of proof upon them to show you actually owe what they say you owe. Many times their information is wrong and they try to collect on accounts that do not exist, or accounts that have been paid in full.
Validate the Debt First
If you think CBCS is off-base by trying to collect from you, the first thing you should do when dealing with CBCS collections is to ask them for a validation letter. In addition to the validation letter, you may also consider sending them a cease and desist letter, or filing a complaint against them with your state’s attorney general office or the FTC.
Try to Make a Deal
If CBCS is able to show you that your debt is valid, try to get them to make some concessions before you pay them. Again, they just want your money, and to them, some money is better than no money. Ask them if they will accept payment of a lower amount to settle the account. Also, ask them to remove any negative items that have already been reported to credit bureaus before you pay them – sometimes they will agree to this. Whatever they may agree to do, be sure to get it in writing!
Removing CBCS From Your Credit Report
Eventually, the nightmare of dealing with CBCS will end, but your credit score may continue to suffer because of them. If this is the case, you can file a dispute with the big three credit reporting agencies to get the negative items removed. Even if the items are valid, when you file a dispute you are putting the burden on CBCS to prove that their reporting is accurate. Often, they don’t even make an effort to respond, or else can’t find sufficient proof, so the negative items are removed from your credit report.
How To Contact CBCS
105 W 5th Ave
Emporia, KS 66801
Phone number: (620)-343-6620
CBCS collections can be incredibly damaging to your credit. Collection accounts remain on your credit report for 7 years. Find out below how you can get collections removed from your credit report legally and permanently.
Falling Into Bad Credit
A few years back I lost my job due to the downturn in the economy. I couldn’t pay my bills and started racking up credit card debt. When I couldn’t make the minimum payments on my credit cards any longer, I started getting calls from collection agencies like CBCS Collections. I eventually filed for bankruptcy to have my debt relieved, but the process did a lot of damage to my credit.
Lexington Law Saved the Day
For several years I couldn’t get into a new home or buy a new car because my credit was poor. It was a very frustrating time for me. I told my story to a friend of mine who suggested I give Lexington Law a try. He said they had been very helpful to him in the past. I was skeptical but decided to try them out.
Lexington Law Changed My Life
After doing some research online, I called Lexington Law at (800) 220-0084. (You can visit their website here.) I spoke with a credit repair expert who was kind and compassionate. I told her about my situation and she told me about my options. I decided to sign up right there on the spot – and man, I’m happy I did! It only took a few weeks before I could see the results. I started getting random letters in the mail saying that negative items had been removed from my credit report.
Life Got Better
Once Lexington Law helped get some of the negative items off of my credit report, I saw my credit scores were improving steadily. It didn’t take long before I qualified for a loan and purchased a home. The whole process of repairing my credit would have taken much, much longer had it not been for Lexington Law. I’m just grateful I called them when I did to get the help I needed (see below).
Collections Removed from My Credit Report:
My credit scores have dramatically improved since there are no longer any negative accounts on my credit report. Here’s a snap shot of my credit scores since I signed up with Lexington Law:
“I have been a client for some time now and all I want to say is that your firm has been wonderful to me. I have told so many people about the work you have done. Two of my reports have no negative marks now and the other I know is just around the corner. Thank you so much. Life is so much easier now that I don’t have to worry about credit problems. I highly recommend your service to anyone.”
— Paul, Lexington client
“I went through a bankruptcy and my score went way down into the 500’s. My wife and I planned to buy a house, so with the help of Lexington Law, my score went up in just 8 months to 688! I got an excellent rate, new home, and praise big time for your services. Thanks a ton!”
— David & Dana, Lexington clients
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here.
Remove CBCS from Your Credit Report Now!
For over 26 years, Lexington Law Firm has been the trusted provider of affordable credit repair solutions. Since 1991, Lexington Law has provided expert credit repair services and experienced support to hundreds of thousands of people. Their many years of experience has helped them develop and refine their credit repair services to deliver optimal results.
If you’re sick of having bad credit, let the professionals at Lexington Law Firm take care of it for you. They can delete all kinds of negative items from your credit reports, including bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, and more.