What does CCB/CREDITCT mean on my credit report?
Learn about CCB/CREDITCT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CCB/CREDITCT?
CCB/CREDITCT is shorthand for CCB Credit Services Inc, with the company name being CCB Credit Services Inc Inc
We’re still based in Lincoln’s home town, privately owned with 345 workers and growing. As the accounts receivable management services industry evolves, CCB has emerged as a leader serving various industries’ vertical market segments. Just as before, CCB approaches each customer relationship as a long term partner.
CCB/CREDITCT is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with CCB Credit Services Inc.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
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⚫ The average high credit balance is $1800.
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⚫ The average credit limit is $3500.
How do I contact them?
Here is the current contact details for CCB Credit Services Inc:
Address:
- 5300 South 6th Street, Frontage Road East, Springfield, IL 62703
Website:
Email:
Phone:
Payments
You can make payments by calling 217-651-6090, online, or with a mobile app. CCB Credit Services accepts checks and money orders as payment. There are penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| 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
CCB Credit Services does not offer loan consolidation or loan forgiveness services. However, loan forgiveness may be available depending on the type of loan and the borrower’s specific circumstances.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
It is possible to apply for a loan online and using a mobile app with CCB Credit Services, Inc. A cosigner may be used when applying for a loan.
| 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? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ 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 CCB/CREDITCT 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.