At a glance Kingston Data & Credit is a debt collection agency and accounts receivable management firm headquartered in Cambridge, Ontario.
The full legal name is Kingston Data & Credit Inc. Kingston Data & Credit has branches in Ontario, Quebec and British Columbia.
If Kingston Data & Credit contacts you, don't share details or pay until you have written verification of the debt.
What is Kingston Data & Credit?
Kingston Data & Credit is a licensed debt collection agency that recovers unpaid debts for businesses across Canada and the United States. They also handle billing, credit reporting and legal services.
Kingston Data & Credit was founded in 2010 by Jason Kingston and is headquartered in Cambridge, Ontario. The CEO is Blair DeMarco-Wettlaufer.
Source: Kingston Data & Credit
Contact Kingston Data & Credit
1-888-908-3151
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Kingston Data & Credit calling me?
If Kingston Data & Credit is calling, a creditor has placed your unpaid account with them for collection.
Sometimes it's an old debt you've forgotten. Sometimes it's an account referred to them by mistake. And sometimes it's a scam using Kingston Data & Credit's name.
Don't share details and don't pay anything until you've got it in writing.
Who does Kingston Data & Credit collect for?
Kingston Data & Credit collects unpaid debts for businesses. The company doesn't publish a list of clients or the industries it works in.
If you don't recognize the creditor name on a collection letter or call, pull your credit report from Equifax Canada or TransUnion Canada. It shows who sent the account to collections.
Know a company Kingston Data & Credit collects for?
Kingston Data & Credit phone numbers
These numbers are commonly associated with Kingston Data & Credit:
| Phone number | Type |
|---|---|
| Main | |
| 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 Kingston Data & Credit, verify the debt in writing and confirm the details before paying.
Is Kingston Data & Credit legitimate?
Yes. Kingston Data & Credit Inc. is a legitimate collection agency that has operated since 2010.
It's advisable to get proof of the debt in writing before you pay any collection agency.
Will Kingston Data & Credit affect my credit score?
A collection account from Kingston Data & Credit 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. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether Kingston Data & Credit has reported the account and whether the information is correct.
What to do if Kingston Data & Credit 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 Kingston Data & Credit 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, Kingston Data & Credit 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 Kingston Data & Credit 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, Kingston Data & Credit 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 Kingston Data & Credit
Send Kingston Data & Credit a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
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.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Kingston Data & Credit is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about Kingston Data & Credit
If you think that Kingston Data & Credit is breaking any 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.
Accreditations
Kingston Data & Credit locations
Locations that Kingston Data & Credit 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
Kingston Data & Credit Inc.
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Kingston Collection Agency
KingstonDC
KDC
FAQs
Kingston Data & Credit can't take money from your pay directly. The creditor has to sue you, win in court and get a garnishment order.
With that order, your employer takes a percentage of your pay. The amount varies by province.
A collection account from Kingston Data & Credit lowers your credit score if it's reported to Equifax Canada or TransUnion Canada.
Collections stay on your credit report for six years from the date of last activity. Paying it off marks the account as paid, but the record stays for the full six years.
You can offer Kingston Data & Credit a lump sum for less than the full amount, or ask for a monthly payment plan. Get any deal in writing before you pay.
A settlement shows as settled rather than paid in full on your credit report, but it clears the account.
Collection agencies must identify themselves at every contact. In most provinces, they must also send a written notice before they start calling to demand payment. The notice has to name the agency, the creditor, the amount owed, and your rights as a debtor.
If Kingston Data & Credit hasn't sent you a written notice, ask for one before sharing any details or paying anything.
The debt doesn't disappear. Kingston Data & Credit can keep calling. They can also recommend that the creditor take you to court.
If a court issues a judgment against you, the creditor can garnish your wages or freeze your bank account.
Not directly. Kingston Data & Credit is a collection agency, not the original creditor.
If you ignore the debt, the creditor can take you to court, and Kingston Data & Credit paralegals may file the paperwork on the creditor's behalf.
A court judgment means the creditor can garnish your wages or freeze your bank account.
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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.