Professional, Affordable Collection Services
Billings, MT: (406) 252-6371
Toll Free: 1-800-231-1971

FAQ

Below we’ve answered some frequently asked questions about our services. If you don’t find the information you’re looking for, please email us at collect@creditservice.com¬†and we’ll get the answer for you.

Q. What services do you provide?

A. We collect non-sufficient funds and closed-account checks as well as accounts receivable. In our credit reporting division, we prepare mortgage credit reports, credit scores and background checks for landlords and businesses.

Q. I have several accounts that have gone bad. How do I submit them to you for collection?

A. It’s easy. To place more than one account, fill in the Client Placement Form for the first account. The form will automatically regenerate with your general information already filled in. Fill out a form for each account, and we’ll take it from there. Call us at (406) 252-6371, and we’ll help you with any questions.

Q. When should I place an account with you for collection?

A. You should set a company policy regarding this timing. Our clients find they seldom have luck collecting accounts that are more than 90 days past due. Therefore, we say placement of accounts at about 90 days is a good rule of thumb.

Q. How do you contact the debtor?

A. We carefully observe all federal and state laws regarding debt collection. The first contact is known as the validation period. If there is no dispute from the consumer, a series of notices and phone calls will begin.

Q. What does your debt collection service cost?

A. Our fee is contingent on what we collect. If nothing is collected, nothing is charged. Our standard fees are 33 1/3% and 50% if legal action is required, but we pay all costs, attorney fees and processor fees.

Q. If I have you prepare a credit report, what information can I expect to receive?

A. You will receive a wide variety of information including:

  • Credit Score
  • The subject’s name, address, former addresses and birth date.
  • Employment history
  • Bill payment history on mortgages, credit cards, and other credit grantors.
  • Tax liens, judgment and bankruptcy history.
  • Record of inquiries by credit grantors.

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