At a glance Credit Bureau of Canada Collections (CBCC) is a licensed, third-party debt collection agency that operates under the name CollectCents. It is not a credit bureau, despite the name. The company has collected debts across Canada since 1947.
Credit Bureau of Canada Collections collects on behalf of creditors, including banks, municipalities, telecom companies and utility providers.
The company provides third-party debt collection, accounts receivable management (ARM) and skip tracing services.
Credit Bureau of Canada Collections has an in-house legal team, which means it can pursue court action directly.
If Credit Bureau of Canada Collections contacts you, don't confirm personal information or acknowledge the debt until you have written verification.
What is Credit Bureau of Canada Collections?
Credit Bureau of Canada Collections is a third-party accounts receivable management company that collects debts on behalf of creditors you owe money to, such as banks, lenders, utility companies and municipalities. The company is paid when they successfully collect.
You'll also see them operating under the name CollectCents. The main office is at 255 Consumers Road, Suite 400, in North York (Toronto).
Source: CollectCents – About Us
Contact Credit Bureau of Canada Collections
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 calls when a creditor has referred your unpaid account for collection. Credit Bureau of Canada Collections represents the original creditor rather than owning the debt.
Often, these calls are legitimate and mean you owe money. But sometimes it's an old account you forgot about, a mistake on their end, a debt you don't recognize, or a scam using the company's name.
Before you confirm any personal information or acknowledge the debt, ask for written verification.
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 debts such as unpaid parking tickets, utility bills from providers like Enbridge, telecom accounts from Rogers Communications, buy-now-pay-later balances, and outstanding tuition debts from colleges and universities.
Industry | Consumer-reported examples |
|---|---|
Municipal government | City of Vancouver, City of Richmond, City of Toronto, Town of Cochrane |
Private parking | Precise Parking Inc. |
Utilities | Enbridge |
Telecommunications | Rogers Communications |
Financial services and BNPL | PayBright, Affirm |
Healthcare | Hospitals, medical providers |
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
NCRi 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 NCRi to collect unpaid tuition, residence fees, and other student debts under this agreement.
Companies that use Credit Bureau of Canada Collections for debt collection
Reported by consumers
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 | |
| General | |
| General | |
| General | |
| General |
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 legitimate?
Yes. Credit Bureau of Canada Collections is a licensed collection agency.
Credit Bureau of Canada Collections publicly lists its corporate address and contact details. The company is registered in multiple provinces and is ISO 9001 certified.
Is Credit Bureau of Canada Collections a licensed collection agency in Ontario?
Collectcents Inc., operating as Credit Bureau of Canada Collections, is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Collectcents Inc. | Toronto, ON | 4588638 | Issued | Mar 9, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is Credit Bureau of Canada Collections a licensed collection agency in Quebec?
Collectcents Inc., operating as Credit Bureau of Canada Collections, is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of March 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| Collectcents Inc. | Montréal, QC | 400321 |
Source: Office de la protection du consommateur (March 2026)
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 March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| Collectcents Inc. | Credit Bureau OF Canada Collections | — | Yes | Dec 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 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.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
24594 | Collectcents Inc. (d.b.a. Credit Bureau of Canada Collections) | 255 Consumers Road, Suite 400, North York, ON M2J 1R4 | 2026-12-31 |
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 in every province where it operates.
Every province has rules against harassment, false or misleading statements, and contact outside permitted hours. The specific rules vary.
Provincial collection rules
The table below covers the four provinces where Credit Bureau of Canada Collections is most active. Rules differ by province, so check the regulations for your specific jurisdiction.
Rule | Ontario | Quebec | Alberta | British Columbia |
|---|---|---|---|---|
Written notice before calling | Yes. 6-day wait after sending notice. | Yes. | No specific requirement in regulation. | Yes. 5-day wait after sending notice. |
Contact hours (Mon to Sat) | 7:00 am to 9:00 pm | 7:00 am to 9:00 pm | 7:00 am to 10:00 pm (any day) | 7:00 am to 9:00 pm |
Contact hours (Sunday) | 1:00 pm to 5:00 pm | Not permitted | 7:00 am to 10:00 pm | 1:00 pm to 5:00 pm |
Statutory holidays | No contact | No contact | No contact | No contact |
Call frequency limit | 3 times per 7 days (same debt) | No fixed limit. Must not amount to harassment. | 3 times per 7 days (same creditor) | No fixed limit. Must not amount to harassment. |
Contact at work | Must stop if you ask | Must stop if you ask | Must stop if you make other arrangements | Must stop if you ask |
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
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 defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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.
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, Credit Bureau of Canada Collections can continue to request payment and report the debt to credit bureaus.
How to stop Credit Bureau of Canada Collections from calling
If you want phone calls to stop, send Credit Bureau of Canada Collections a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about Credit Bureau of Canada Collections
If Credit Bureau of Canada Collections doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
Has Credit Bureau of Canada Collections had any regulatory actions?
Credit Bureau of Canada Collections has two regulatory actions on public record in Alberta, both issued by Service Alberta.
Date | Action type | Issuing body | Legislation cited |
|---|---|---|---|
January 2017 | Undertaking | Director of Fair Trading (Alberta) | Fair Trading Act, Collection and Debt Repayment Practices Regulation |
April 2022 | Administrative penalty ($250) | Service Alberta | Consumer Protection Act, Collection and Debt Repayment Practices Regulation |
Sources: Open Alberta – Undertaking: Credit Bureau of Canada Collections o/a Collectcents (January 2017) and Open Alberta – Notice of Administrative Penalty: Collectcents Inc. (April 2022)
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
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
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.
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. The "Credit Bureau" part just means they can report your debt to the actual bureaus, Equifax and TransUnion.
Get written verification first. The debt is sometimes something you forgot, an old account that was sold, a mistake, or a scam. Do not admit to anything until you've confirmed it's legitimate.
Not without a court judgment. A collection call or letter from Credit Bureau of Canada Collections doesn't give the company this power. To garnish wages or freeze accounts, a creditor must first sue you and obtain a court order.
Credit Bureau of Canada Collections can contact third parties only to get your telephone number or address. That's all. If you tell Credit Bureau of Canada Collections to stop calling your workplace, they must stop.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. 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 over time. The creditor can also pursue legal action.
If you don't owe the money, dispute the debt in writing. If you can't pay, speak with a Licensed Insolvency Trustee or non-profit credit counselling service about your options.
Yes. Credit Bureau of Canada Collections is ISO 9001 certified.
Credit Bureau of Canada Collections has operated since 1947.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. 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.