What is Canadian Credit Corporation?
Canadian Credit Corporation (CCC) is a collection agency that recovers delinquent accounts for creditors. Founded in 1997, the head office is in Toronto, Ontario, with an office in Montreal, Quebec.
CCC runs letter programs, final notices, early-stage collection programs and traditional third-party collections for corporations, organizations and institutions.
Source: Canadian Credit Corporation, LinkedIn
Why is Canadian Credit Corporation calling me?
Canadian Credit Corporation (CCC) calls when a creditor has placed your unpaid account with them for collection.
Some CCC contact comes through early-stage programs run in the creditor's own name. A final notice from your creditor is sometimes CCC's work, sent before the account is sent to collections.
Most calls are legitimate, but sometimes the debt is one you already paid, forgot about, or never owed in the first place. Mistakes and scams are less common but can still occur.
Ask CCC for written verification before you confirm personal details or acknowledge the debt. Written verification covers the creditor's name, the amount owing, the account number and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Canadian Credit Corporation (CCC) phone numbers
These numbers are commonly associated with Canadian Credit Corporation (CCC):
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be Canadian Credit Corporation (CCC), verify the debt in writing and confirm the details before paying.
Who does Canadian Credit Corporation collect for?
Canadian Credit Corporation collects unpaid accounts on behalf of credit departments, the teams within companies that handle billing and overdue customers.
CCC also assists creditors with bankruptcy administration. When a customer goes bankrupt, the creditor files a claim to recover part of what's owed, and CCC helps with that process.
Know a company Canadian Credit Corporation (CCC) collects for?
Is Canadian Credit Corporation a legitimate collection agency?
Yes. Canadian Credit Corporation is a legitimate Canadian collection agency.
The company publicly lists its Toronto head office, its Montreal office and a toll-free number.
Will Canadian Credit Corporation (CCC) affect my credit score?
A collection account from Canadian Credit Corporation (CCC) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if Canadian Credit Corporation (CCC) calls you (step by step)
Scammers impersonate real collection agencies. Check any call or letter against the details on this page or the official website at canadiancredit.ca before you pay anyone.
What if the debt is old?
Every province has a time limit on how long a collection agency like Canadian Credit Corporation (CCC) can sue you for an unpaid debt.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, Canadian Credit Corporation (CCC) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Canadian Credit Corporation (CCC)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Canadian Credit Corporation (CCC) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Canadian Credit Corporation (CCC) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about Canadian Credit Corporation (CCC)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Canadian Credit Corporation (CCC) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Legal Name
Canadian Credit Corporation
CCC
