Credit Bureau Services Canada

What is Credit Bureau Services Canada?

Credit Bureau Services Canada is a debt collection agency that helps businesses recover unpaid debts. They have been operating since 1932 and combine the personal service of a local business with the reach of a national partner. Their offices are strategically located in Ontario and Quebec, serving clients across Canada.

They work with a wide range of creditors, including municipal and regional governments, financial institutions, healthcare providers, educational institutions, utilities, national retail chains, and small to medium-sized businesses. Many consumers report that Credit Bureau Services Canada is persistent with phone calls but maintains a professional and courteous approach.

Why is Credit Bureau Services Canada calling me?

If you’ve received a call from Credit Bureau Services Canada, they’re probably trying to recover an unpaid debt on behalf of a creditor.

If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.

Credit Bureau Services Canada collects for:

• Municipal and regional governments
• Financial institutions and banks
• Healthcare providers and hospitals
• Educational institutions and student loans
• Public utility corporations (hydro, gas, water)
• National retail chains and retail stores
• Commercial businesses and small to medium-sized enterprises
• Insurance companies and brokers
• Dental practices and medical professionals
• Car dealerships
• Telecommunications companies (phone, internet, cable)
• Credit card companies

Is Credit Bureau Services Canada a legitimate collection agency?

Yes, Credit Bureau Services Canada is a legitimate debt collection agency established in 1932. Their staff are licensed and they are members of industry associations like RMA Canada and CSCA. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like Credit Bureau Services Canada contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Credit Bureau Services Canada contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.