What does CBS COL PADU mean on my credit report?

Is CBS COL PADU making an impact credit score?

Updated May 1, 2022


CBS COL PADU is shorthand for Credit Bureau Systems, INC, with the company name being Credit Bureau Systems, INC LLC

  • 100% guaranteed customer satisfaction from your own dedicated client representative right up to the CEO; get accessibility you require with Accountabilityyou Trust* All measures taken to retrieve your debts will be fully complient and internally reviewed for quality assurance.* Access reports on any one of your accounts via our secure client portal, and check statistics in real-time* Trained and tested HIPAA personnel, FICO and CRAs certified

CBS COL PADU is a Creditor. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Credit Bureau Systems, INC.

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

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

How do I contact them?

Here is the current contact details for Credit Bureau Systems, INC:


  • 100 Fulton Ct, Paducah, KY 42001




  • 800.455.7777

SmartCredit Report Example

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

CBS COL PADU 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 CBS COL PADU 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.