Quality & Compliance

Quality Assurance

We believe that respect, honesty and dedication to providing ethical resolutions has contributed to our superior customer service. CSC strives to exceed the highest standards in advanced technology, employee training, compliance and ethical conduct. Consumers are treated with respect and our clients receive outstanding results.

We invest in our people, processes and technology.  As a result, we consistently deliver exceptional results to our clients.

Exemplary Customer Service

Our “clients first” philosophy mandates professional treatment of both our clients and their customers. That’s why a designated customer service representative is assigned to each client, providing individualized service and continuous availability to address specific concerns and questions.

At CSC, we expect excellence from our staff: Promptly returned phone calls and e-mails, face-to-face meetings and timely reports of account status.
We’re diligent in our hiring and training, with background checks on all employees to ensure quality representation.  And because CSC is a drug-free workplace, all employees must undergo drug testing.  Each department independently audits and monitors employee performance and workflow.

Compliance

Compliance is a priority for Credit Service Company Inc. Our Compliance team, led by our Chief Compliance Officer and Corporate Counsel, vigilantly monitors our business practices and the legal and regulatory environments to ensure we adapt all our activities to conform to these ever-changing landscapes.

Like other departments throughout our company, the Compliance Team utilizes internal staff, technology and outside resources, including lawyers and trade organizations, to assist and supplement their activities allowing us to successfully advance our ongoing compliance efforts.

Newly hired employees undergo extensive training on compliance with the various laws and regulations that impact the accounts receivable industry and our clients.  CSC provides ongoing training sessions to all employees, including the management team, focusing on remaining compliant with applicable state and federal regulations. To help ensure retention and appropriate implementation, our team uses a variety of methods and measures to reinforcement and evaluate this training, so all employees and business activities conform to our professionalism and compliance standards.

Know Your Rights – State Disclosures

California

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act requires that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
If this is a healthcare account: Nonprofit credit counseling services may be available in the area.
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Colorado

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT:  HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

If this is an account for hospital services, please be advised that pursuant to Colorado law, discounts for hospital services are available for qualified individuals. For a written explanation of your rights as a patient, see https://hcpf.colorado.gov/colorado-hospital-discounted-care

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Connecticut

The State of Connecticut requires that we furnish Connecticut residents with the following information: Each collection agent engaged in collecting a debt from a patient arising from services provided at a hospital shall provide written notice to such patient as to whether the hospital deems the patient an insured patient or an uninsured patient. **  Each hospital which holds or administers one or more hospital bed funds shall require its collection agents to include a summary as provided in subsection (c) of this section in all bills and collection notices sent by such collection agents.
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Illinois

Registered name of collection agency is Credit Service Company, Inc.
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Minnesota

This collection agency is licensed by the Minnesota Department of Commerce.
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Nevada

Nevada License No. CAD11391
Compliance Manager Certificate Identification No. CM12106
(a) If the debtor pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) An acknowledgement of the debt by the debtor; and (2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (b) If the debtor does not understand or has questions concerning his legal rights or obligations relating to the debt, the debtor should seek legal advice.
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New Mexico

​NOTICE TO NEW MEXICO RESIDENTS:
Your Rights About New Mexico’s Surprise Billing Protection Act SB 337.
Providers that perform health care services that result in out-of-network services, also known as “Surprise Billing”, may be limited to the amount of charges that they can assess. Patients should contact the Provider and/or Insurance Company before their scheduled appointment to determine if the services will be covered at an in-network rate. In the case of an emergency, when prior contact is not possible patients should follow the same steps above to protect themselves from any Surprise Billing.
To contact the New Mexico Superintendent of Insurance click here.
​To view The Surprise Billing Protection Act click here.
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New York

New York Department of Consumer Affairs License Number: 2003534-DCA
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North Carolina

Credit Service Company, Inc. North Carolina Permit # 119505735

Credit Service Company, Inc. dba United Revenue North Carolina Permit # 516951203
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Tennessee

Credit Service Company, Inc. is licensed by the Collection Service Board of the Department of Commerce and Insurance.
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Utah

Required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
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Washington

You have the right to request the original account number assigned to your debt to the original creditor, the date of the last payment (if applicable), and an itemized statement of services provided.
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Wisconsin

This collection agency is licensed by the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707
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Company NMLS# 1018483

Branch NMLS #2250545

Manager NMLS # 1020306

Branch Manager NMLS #2250551