What is Credit Bureau of Canada Collections?
Credit Bureau of Canada Collections (CBCC) is a third-party accounts receivable management company that collects debts for creditors, including banks, lenders, utility companies, and municipalities. The company also trades as CollectCents, with its head office at 255 Consumers Road, Suite 400, North York, Toronto.
CBCC often doesn't own the debts it collects. A creditor hires them to recover the money, and CBCC earns a commission on what it collects. CBCC also offers skip tracing, asset investigation and national paralegal services.
SinglePoint Group International Inc. owns CBCC. It also owns General Revenue Corporation (GRC) and PRExchange (PRX).
Source: CollectCents – About Us
Why is Credit Bureau of Canada Collections calling me?
Credit Bureau of Canada Collections (CBCC) calls when a creditor has referred your unpaid account for collection.
Most of these calls are legitimate, and you owe the money. Sometimes the account is one you already paid, one you forgot about, one you don't recognize, or one that belongs to someone else entirely.
Ask CBCC for written notice of the debt, sometimes called debt validation, before you confirm any personal information or acknowledge the debt. The notice should name the original creditor, the amount, the account number and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Credit Bureau of Canada Collections phone numbers
These numbers are commonly associated with Credit Bureau of Canada Collections:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| 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 Credit Bureau of Canada Collections, verify the debt in writing and confirm the details before paying.
Who does Credit Bureau of Canada Collections collect for?
Credit Bureau of Canada Collections collects on behalf of major Canadian banks, telecoms, utility companies, municipal governments, schools, and buy-now-pay-later lenders. Consumer-reported accounts include unpaid parking tickets, telecom bills, bank debts, lab fees and tuition.
Consumer reports link Credit Bureau of Canada Collections to 43 creditors, most often in banking, government and utilities.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Utilities | |
| Government & Municipal | |
| Parking | |
| Healthcare |
Know another company Credit Bureau of Canada Collections collects for?
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 – Vancouver woman discovers unpaid parking ticket from 2012 after hit to her credit score
Credit Bureau of Canada Collections is an approved collection agency supplier through the Ontario Education Collaborative Marketplace (OECM), alongside NCRi, Transworld Systems and Gatestone & Co.
OECM members include Ontario school boards, colleges, and universities, which can use Credit Bureau of Canada Collections to collect unpaid tuition, residence fees, and other student debts under this agreement.
Is Credit Bureau of Canada Collections a legitimate collection agency?
Yes. Credit Bureau of Canada Collections, also known as CollectCents, is a legitimate Canadian collection agency that has operated since 1947.
Despite the name, it's not a credit bureau like Equifax or TransUnion. The name makes it look like a scam. It isn't one.
The company publicly lists its corporate address and contact details. It's licensed in multiple provinces and ISO 9001 certified.
Credit Bureau of Canada Collections is a member of the Canadian Society of Collection Agencies and the Credit Association of Greater Toronto.
Sources: CSCA and the Credit Association of Greater Toronto
Scammers impersonate real agencies. Verify any contact using the details on this page or the official CollectCents website, not the number or email that contacted you.
Will Credit Bureau of Canada Collections affect my credit score?
A collection account from Credit Bureau of Canada Collections 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 Credit Bureau of Canada Collections calls you (step by step)
What if the debt is old?
Every province has a time limit on how long a collection agency like Credit Bureau of Canada Collections 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, Credit Bureau of Canada Collections 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 Credit Bureau of Canada Collections
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Credit Bureau of Canada Collections 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 Credit Bureau of Canada Collections 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 Credit Bureau of Canada Collections
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 Credit Bureau of Canada Collections 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.
Accreditations
Legal Name
Credit Bureau of Canada Collections (CollectCents™)
CBCC
CollectCents™
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Credit Bureau of Canada Collection
Credit Bureau of Collections Canada
Credit Bureau Collections
