Credit Bureau of Canada Collections

At a glance

Credit Bureau of Canada Collections (CBCC), operating as CollectCents Inc., is a third-party debt collection agency that has operated across Canada since 1947. CBCC is ISO 9001 certified. It is not a credit bureau, despite the name.

CBCC collects unpaid debts for municipalities, utility providers, telecom companies and parking authorities.

If CBCC contacts you, ask for written verification before you confirm anything or make any payment.

What is Credit Bureau of Canada Collections?

CBCC works on behalf of creditors (banks, lenders, whoever you originally owed the money to) and takes a cut when they successfully collect.

You might also see them operating under the name CollectCents™. The head office is in Mississauga.

They've also got their own in-house legal team, which means they can pursue legal action directly if things escalate.

Why is Credit Bureau of Canada Collections calling me?

If you've received a call from Credit Bureau of Canada Collections, a creditor has likely referred your unpaid account to them for collection. CBCC represents the original creditor rather than owning the debt.

Often, these calls are legitimate and mean you owe money. But they could be about an old account you'd forgotten about, a mistake on their end, a debt you genuinely don't recognize, or a scammer using CBCC's name to try to trick you.

Before you confirm any personal information or acknowledge the debt, ask for written verification to avoid scams and confirm that you owe the debt.

Source: Government of Canada (FCAC) – Dealing with a debt collector

Who does Credit Bureau of Canada Collections collect for?

Consumers report that CBCC pursue unpaid parking tickets, utility bills from providers such as Enbridge, or telecom accounts in arrears.

Note: The companies listed above are based on consumer reports and online discussions. They don't represent confirmed business relationships with CBCC.

The City of Vancouver has used Credit Bureau of Canada Collections to collect outstanding municipal debts, including parking tickets dating back to 2012.

Source: CBC News

Is Credit Bureau of Canada Collections legitimate?

Yes. Credit Bureau of Canada Collections (CBCC) is a licensed collection agency.

The company publicly lists its corporate address and contact details, and is registered in multiple provinces. They are ISO 9001 certified.

Is Credit Bureau of Canada Collections a licensed collection agency in Alberta?

Collectcents Inc., operating as Credit Bureau of Canada Collections, is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of February 2026.

Source: Service Alberta – Find out if a Business is Licenced (February 2026)

Is Credit Bureau of Canada Collections a licensed collection agency in British Columbia?

CollectCents Inc. operating as Credit Bureau of Canada Collections, holds an active debt collection licence issued by Consumer Protection BC.

The table below shows confirmed licence records as of February 2026.

BC requires a licence for each office that contacts BC residents, even if the office is outside BC.

Source: Consumer Protection BC – Check a licence

What are my rights when CBCC contacts me?

Credit Bureau of Canada Collections must comply with provincial debt collection regulations.

Every province has rules against harassment, false statements and contact outside permitted hours.

Written notice before phone calls

In Ontario, CBCC must send you a written notice before calling to collect. After sending the notice, they must wait at least 6 days before phoning you.

If you receive a call from CBCC but have not received a written notice, tell them. They must resend the notice and wait another 6 days before contacting you again.

Source: Government of Ontario – Stop collection agency calls

What CBCC cannot do

Debt collectors, including CBCC, cannot harass, threaten or intimidate you, give false or misleading information.

They also cannot use profane, threatening or coercive language, apply unreasonable or excessive pressure, or contact you at work after you ask them to stop. They are not allowed to discuss your debt with family or employers, except to confirm contact information.

Learn what a collection agency can do here.

Source: Government of Canada (FCAC) – Debt collection: know your rights

Contact hour restrictions

In Ontario, CBCC can call Monday to Saturday between 7:00 am and 9:00 pm and Sundays between 1:00 pm and 5:00 pm. They can't call on statutory holidays.

In Alberta, collection agencies may contact you Monday to Saturday between 7:00 am and 10:00 pm and on Sundays between 1:00 pm and 5:00 pm.

Contact frequency limits

In Ontario, CBCC cannot contact you more than three times in seven days for the same debt. Not without your consent.

Red flags: how to spot a scam

Scammers sometimes impersonate debt collectors, including real companies like Credit Bureau of Canada Collections.

A scammer typically refuses to name the original creditor, threatens arrest, jail or deportation, demands payment by e-transfer, gift card or cryptocurrency, and refuses to send anything in writing.

Verify the debt using the contact details on the official website of Credit Bureau of Canada Collections before paying.

Source: Government of Canada (FCAC) – Dealing with a debt collector

Handling a collection notice from Credit Bureau of Canada Collections

If Credit Bureau of Canada Collections contacts you, verify that the debt is yours and that the amount is correct. Keep records of all communication and payments.

Step 1: Get the caller's name, company name and callback number. Don't confirm personal details yet. In provinces like Ontario, CBCC must send you a written notice before calling. If you haven't received one, tell them. They must send it and wait 6 days before calling again.

Step 2: Ask for written verification. Request the original creditor's name, account reference, total amount claimed, and a breakdown of principal, interest and fees. Don't confirm or pay anything until you have this in writing.

Step 3: Review what CBCC sends. Check whether you recognize the debt. Verify the amount matches your records. If it doesn't match or you don't recognize it, dispute in writing by registered mail.

Step 4: Decide your approach. You can pay in full, negotiate a settlement for less than the full amount, or set up a payment plan.

CBCC has an in-house legal team, so if you ignore the debt, they can escalate to court action without hiring outside lawyers.

Get any settlement terms in writing before you pay, including how CBCC will report the account to credit bureaus.

Step 5: Pay by a traceable method. Cheque, e-transfer or credit card only. Always get a receipt.

If debt has become unmanageable, speak with a Licensed Insolvency Trustee.

How does CBCC affect my credit report?

When Credit Bureau of Canada Collections reports a debt, it appears on your Equifax and TransUnion credit reports. A collection account is one of the most serious negative marks on a credit report.

The collection stays on your report for 6 years from the date of last activity in most provinces, even after you pay. A paid collection shows as paid but doesn't disappear early.

Source: Government of Canada (FCAC) – How long information stays on your credit report

What if the debt CBCC is collecting is old?

Statute of limitations determine the time limit a creditor has to sue to collect a debt.

2 years: Ontario, British Columbia, Alberta and Saskatchewan.
3 years: Québec.
6 years: Manitoba, New Brunswick, Nova Scotia, Newfoundland and Labrador, PEI and the territories.

Once the limitation period expires, Credit Bureau of Canada Collections can still contact you, but they can't take you to court.

Don't trip up. Making a partial payment, acknowledging the debt in writing, or even promising to pay can restart the limitation period. Watch what you say.

Even after the limitation period expires, CBCC can continue to request payment and report the debt to credit bureaus.