What is Credit Bureau Services Canada?
Credit Bureau Services Canada is a debt collection agency that helps businesses recover unpaid debts.
They've been in business since 1932, with offices in Ontario and Quebec, and they work with clients all over Canada.
They collect debts for a wide range of industries, including municipal and regional governments, financial institutions, healthcare providers, education, utilities, retail chains, and small to medium-sized businesses.
They often handle legal collections, like small claims court cases, using their own legal team. People sometimes mention that the agency can be quite persistent with phone calls when they're trying to collect a debt.
Contact Credit Bureau Services Canada
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is Credit Bureau Services Canada calling me?
If Credit Bureau Services Canada has called you, it's usually because they're trying to collect a debt for another company or organization.
If you're not sure why they're reaching out, ask them to send you written proof of the debt before you share any personal details or make a payment.
Credit Bureau Services Canada collects for:
- Municipal and regional governments
- Financial institutions
- Healthcare providers and hospitals
- Education and student loans
- Utilities (hydro, gas, water)
- National retail chains
- Commercial businesses
- Insurance companies and brokers
- Dental practices and medical professionals
- Car dealerships
- Telecommunications companies (phone, internet, cable)
- Banks and financial institutions
- Government agencies
- Credit card companies
- Retail stores
Companies that use Credit Bureau Services Canada for debt collection
Reported by consumers
Know another company Credit Bureau Services Canada collects for?
Credit Bureau Services Canada phone numbers
These numbers are commonly associated with Credit Bureau Services Canada:
| Phone number | Type |
|---|---|
| Main | |
| 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 Services Canada, verify the debt in writing and confirm the details before paying.
Is Credit Bureau Services Canada a legitimate collection agency?
Yes, Credit Bureau Services Canada is a real and licensed debt collection agency that's been around since 1932. They have to be licensed in every province where they work.
Is Credit Bureau Services Canada a licensed collection agency in Ontario?
St. Catharines Credit Corporation Limited, operating as Credit Bureau Services Canada, 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 |
|---|---|---|---|---|
| St. Catharines Credit Corporation Limited | St. Catharines, ON | 1951400 | Issued | May 15, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is Credit Bureau Services Canada a licensed collection agency in Alberta?
St. Catharines Credit Corporation Limited, operating as Credit Bureau Services Canada, 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 |
|---|---|---|---|---|
| St. Catharines Credit Corporation Limited | Credit Bureau Services Canada | — | Yes | Dec 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
What to do if Credit Bureau Services Canada calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything 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 own records. Pull your credit report from Equifax or TransUnion and compare it to what Credit Bureau Services Canada sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like Credit Bureau Services Canada typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
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 Services Canada 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 Services Canada 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.
How to stop Credit Bureau Services Canada from calling
If you want phone calls to stop, send Credit Bureau Services Canada 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 Services Canada
If Credit Bureau Services Canada 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).
Accreditations
Credit Bureau Services Canada locations
Locations that Credit Bureau Services Canada 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
CBS Canada
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.