What does CBA MACON mean on my credit report?

Is CBA MACON making an impact on your credit score?

Updated January 1, 2023
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What is CBA MACON?

CBA MACON is shorthand for Creditors Bureau Associates, with the company name being Creditors Bureau Associates Inc

CBAs first began opening its offices in Vancouver in 1920; they had an office in Toronto from 1922 to 1962 and then in New York City since 1970. Today, CBCA has about 220 employees and serves more than 100 companies.

CBA MACON is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Creditors Bureau Associates.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Creditors Bureau Associates:

Address:

  • 112 Ward St, Macon, GA 31204, United States

Website:

Email:

Phone:

Payments

Payments can be made in a variety of ways, including online, over the phone, and through a mobile app. There are penalties for late or missed payments, which can include increased collection time and bad debt.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

they do not offer loan forgiveness or consolidation. However, one can achieve loan forgiveness by utilizing medical services that increase collections and provide a quality patient experience. These services include Early Out Self-Pay Collections, Early Out Insurance Follow Up, and more. Payment plans are also systematically followed up on and there is access to a secure online portal to transmit new accounts and have access to real time metrics.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

Creditors Bureau Associates (CBA) offers online loan applications. You cannot apply for a loan over the phone or in person, but you can with a cosigner. The Early Out process is designed to help you collect self-pay balances and increase collections to reduce bad debt.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No
Can I apply for a loan with a cosigner? Yes

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

CBA MACON SmartCredit Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove CBA MACON from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.