What is Kingston Data & Credit?
Kingston Data & Credit is a debt collection agency that helps businesses recover unpaid debts.
They offer accounts receivable management, credit reporting, trace services, and credit management consulting across Canada and the United States.
The company is based in Cambridge, Ontario, and has been around for more than 30 years.
They collect debts for a variety of creditors, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education and student loans, commercial businesses, credit card companies, and retail stores.
Consumers report that Kingston Data & Credit is persistent in its phone calls but also offers payment arrangements and settlements.
Contact Kingston Data & Credit
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 you've received a call from Kingston Data & Credit, it usually means they're trying to recover an unpaid debt on behalf of a creditor.
If you are not sure why they are calling, ask them to send you written proof of the debt before you give out any personal details or pay anything.
Kingston Data & Credit collects for:
- Ambulance services (noted in multiple consumer reports)
- Telecommunications companies (phone, internet, cable)
- Banks and financial institutions
- Government agencies
- Healthcare providers and hospitals
- Utilities (hydro, gas, water)
- Education and student loans
- Commercial businesses
- Credit card companies
- Retail stores
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 | |
| General |
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 a legitimate collection agency?
Yes, Kingston Data & Credit is a legitimate debt collection agency with over 30 years in business. They work in several provinces in Canada and in the US, and they are licensed.
Is Kingston Data & Credit a licensed collection agency in Ontario?
Kingston Data & Credit Inc. 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 |
|---|---|---|---|---|
| Kingston Data & Credit Inc. | Cambridge, ON | 4725271 | Issued | Apr 8, 2027 |
| Kingston Data & Credit Inc. | Brantford, ON | 4732976 | Issued | Nov 13, 2026 |
| Kingston Data & Credit Inc. | Sarnia, ON | 4736911 | Issued | Oct 19, 2026 |
| Kingston Data & Credit Inc. | Gatineau, QC | 4739959 | Issued | Apr 26, 2026 |
| Kingston Data & Credit Inc. | Largo, FL | 4739960 | Issued | Apr 26, 2026 |
| Kingston Data & Credit Inc. | Abbotsford, ON | 4741119 | Issued | Nov 18, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is Kingston Data & Credit a licensed collection agency in Alberta?
Kingston DATA AND Credit Inc., operating as Kingston Data & Credit, 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 |
|---|---|---|---|---|
| Kingston DATA AND Credit Inc. | — | Edmonton, AB | Yes | Sep 30, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
What to do if Kingston Data & Credit 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 Kingston Data & Credit 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 Kingston Data & Credit 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 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 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 Kingston Data & Credit from calling
If you want phone calls to stop, send Kingston Data & Credit 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 Kingston Data & Credit
If Kingston Data & Credit 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
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
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.