At a glance Credit Bureau of Canada Collections (CBCC) is a legitimate third-party debt collection agency that trades as CollectCents. Despite the name, it's not a credit bureau. The company has operated since 1947.
CBCC provides third-party debt collection, accounts receivable management (ARM) and skip tracing for banks, telecoms, utilities, retailers and municipal governments.
If CBCC contacts you, a creditor has passed your account to them. Get written proof you owe the debt before paying or sharing any information.
If the amount looks wrong or you don't recognize the debt, dispute it in writing. If CBCC calls outside allowed hours, harasses you, or breaks any other rule, complain to your provincial regulator.
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. It also trades as CollectCents, with its head office in 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 is part of SinglePoint Group International Inc., alongside sister brands General Revenue Corporation (GRC) and PRExchange (PRX).
Source: CollectCents – About Us
Contact Credit Bureau of Canada Collections
1-800-256-8964
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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.
Before you confirm any personal information or acknowledge the debt, ask for written verification, including the creditor, the amount, the account number, and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
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.
Industry | Consumer-reported creditors |
|---|---|
Banking | CIBC, RBC Royal Bank, TD Canada Trust, Scotiabank, Desjardins, PC Financial |
Telecommunications | Rogers Communications, Bell Canada, Telus, Fido |
Utilities and home services | Enbridge, Reliance Home Comfort |
Consumer credit and BNPL | Affirm, PayBright, Cash Money |
Municipal government | City of Toronto, City of Vancouver, City of Richmond, Town of Cochrane |
Federal government | Service Canada |
Private parking | Precise Parking |
Healthcare and diagnostics | LifeLabs |
Retail | Walmart Canada |
Travel | CheapOair |
Education | Seneca Polytechnic |
Note: Unless otherwise stated, the companies listed above are based on consumer reports and online discussions. They don't represent confirmed business relationships with Credit Bureau of Canada Collections. Seneca Polytechnic is confirmed through its public student service hub, which includes a dedicated Credit Bureau of Canada Collections payment guide.
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.
Companies that use Credit Bureau of Canada Collections for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Credit Bureau of Canada Collections collects for?
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.
Got a call from a number not shown here?
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.
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
Check your own report to see whether Credit Bureau of Canada Collections has reported the account and whether the information is correct.
What to do if Credit Bureau of Canada Collections calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Credit Bureau of Canada Collections has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Credit Bureau of Canada Collections might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
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.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
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
Credit Bureau of Canada Collections locations
Locations that Credit Bureau of Canada Collections operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Credit Bureau of Canada Collections (CollectCents™)
Also known as
CBCC
CollectCents™
Common variations
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
FAQs
Is Credit Bureau of Canada Collections the same as CollectCents?
Yes. Credit Bureau of Canada Collections operates under the trade name CollectCents. The company's website is collectcents.com. Both names refer to the same company.
Is Credit Bureau of Canada Collections government or private?
Credit Bureau of Canada Collections is a private, third-party debt collection agency. It's not a government entity. Creditors hire them to collect debts on their behalf.
Is Credit Bureau of Canada Collections the same as Equifax or TransUnion?
No. Credit Bureau of Canada Collections collects debts. Equifax and TransUnion are the two major credit reporting agencies for consumers in Canada. They are entirely different businesses.
Despite the name, Credit Bureau of Canada Collections has nothing to do with credit bureaus.
Can Credit Bureau of Canada Collections call me at any time?
Credit Bureau of Canada Collections can only call during specific hours, depending on where you live in Canada.
In Ontario, collection agencies can call between 7 a.m. and 9 p.m. Monday to Saturday, and between 1 p.m. and 5 p.m. on Sundays, with no calls on statutory holidays. In Alberta, the window is 7 a.m. to 10 p.m. any day.
Sources: Government of Ontario – Stop collection agency calls. Government of Alberta – Collection and Debt Repayment Practices Regulation, s.12(1)(g)
What if I don't recognize the debt that Credit Bureau of Canada Collections is collecting?
Get written verification first. The debt is sometimes something you forgot, an old account that was sold, a mistake, or a scam. Check with your original providers, such as your phone company or utility, for any outstanding balance you may have missed. Do not admit to anything until you've confirmed it's legitimate.
Pull your credit report to see if it appears there. You can access your free credit score and report with Borrowell.
If you still don't recognize the debt after receiving written confirmation, dispute it in writing.
Can Credit Bureau of Canada Collections garnish my wages or freeze my bank account?
Not without a court judgment. A collection call or letter from Credit Bureau of Canada Collections doesn't give them this power. To garnish wages or freeze accounts, a creditor must first sue you and obtain a court order.
Can Credit Bureau of Canada Collections contact my family or employer?
Credit Bureau of Canada Collections can contact third parties only to get your telephone number or address. They can't discuss the debt with them. If you tell CBCC to stop calling your workplace, they must stop. Learn more about how to stop collection calls at work.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Can I negotiate a settlement with Credit Bureau of Canada Collections?
A collection agency might be willing to accept a one-time lump-sum payment for less than the outstanding balance as full settlement. Before providing any settlement funds, get the agreement in writing.
What happens if I ignore Credit Bureau of Canada Collections?
Ignoring Credit Bureau of Canada Collections doesn't make the debt disappear. Credit Bureau of Canada Collections can continue reporting to credit bureaus, which damages your credit score. The creditor can also take you to court.
If you can't pay, speak with a Licensed Insolvency Trustee or non-profit credit counselling service about your options.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.