How to remove EOS CCA from your credit report


There are few things more stressful than a debt collector contacting you. If a company called EOS CCA is on your missed call list, it means they are suing you for an old debt. Unfortunately, it’s also likely that there’s an open collection account on your credit file.

A collection account can hurt your credit score for up to seven years, even if you pay off the debt. To limit the impact on your credit score, you should remove the account from your credit report as soon as possible.

Keep reading to learn more about EOS CCA and how to remove it from your credit report.

What is EOS CCA?

Also known as the Collection Company of America, EOS CCA is a large collection agency that currently employs approximately 6,000 employees. Founded in 1991 in Massachusetts and offering general collection services, it currently has its headquarters in Boston and regional centers across the United States.

This debt collection agency generated over $500 million in revenue in 2019 by providing all aspects of customer account management. It may also appear as Collecto, Inc., EOS Group, EOS CCA Verizon, or EOS CCA Collection, but regardless of its name, it is a legit company and not a scam. It collects various debts for lenders, including those from banks, credit cards, telecommunications companies like CenturyLink, healthcare, student loan providers, and colleges and universities.

Steps to remove EOS CCA from your credit file

Even if you repay the debt, the EOS CCA collection account will not disappear from your credit report and will remain so for years unless you take other steps to have it removed. You can follow these steps to permanently remove the collection from your credit file:

  • Get everything in writing
  • Request a Goodwill Removal
  • Request debt validation
  • Negotiate a settlement
  • Hire a professional
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Get everything in writing

One of the first things you should do when dealing with a debt collector is to ask them to communicate with you strictly in writing. Debt collectors are known to tell you one thing over the phone, then turn around and do the opposite. Indeed, without written proof, you cannot hold them responsible.

The Fair Debt Collection Practices Act (FDCPA) gives you the right to have a debt collector contact you strictly via US Mail. This way you can keep a file of all his correspondence with you and refer to it if necessary. The next time someone from EOS CCA calls you, tell them that you know your rights under the FDCPA and that you officially request all communications via US Mail. If they start arguing or pushing back, tell them they’re violating the FDCPA and hang up. Keep doing this until he stops calling you and starts sending you mail instead.

Request a Goodwill Removal

If you have already paid EOS CCA for the debt, you can still get the collection removed from your credit report by requesting a goodwill removal. A goodwill removal is exactly what it sounds like: a debt collector agrees to stop reporting the debt to major credit bureaus out of kindness. This will usually only work after agreeing to pay the debt and maintaining timely payments with the original creditor. If it is an item on your file, EOS CCA may be willing to remove it.

To request a goodwill deletion, write EOS CCA a letter explaining the reason for your missing payments and why you want the entry deleted. Many people say they want to qualify for a home or car loan, and it seems to work well. Make sure your letter is honest and polite, as you are asking EOS CCA a favor by deleting the entry.

Request debt validation

Collection agencies like EOS CCA often get the wrong information. They may have the wrong balance, date or name on their official records. Therefore, it is important to request debt validation to ensure that EOS CCA has accurate information regarding your debt. Under the FDCPA, you have the right to ask EOS CCA to verify your debt information. This is an important step in the debt collection process, but you need to do it quickly. You generally only have 30 days after the first contact to request validation of the debt. After that, the collector can ignore your request.

To request debt validation, you must send a debt validation letter with a Section 609 A form to EOS CCA. This is a formal request to EOS CCA to verify specific information related to your debt, such as name and total amount.

Once EOS CCA receives your letter, they must send you several documents to prove that the debt belongs to you. Read these documents carefully and highlight any information you believe is incorrect. If you find anything that contradicts the information you have about your debt, you can submit a dispute to the three major credit bureaus. They should remove the account from your credit report and you may no longer pay the debt.

Negotiate a settlement

EOS CCA can validate the debt, which means that you are legally responsible for repaying it. A common question is, “Can debt collection agencies really sue me for reimbursement?” The answer is yes; however, this rarely happens. If so, your next step is to negotiate a settlement in the form of a payment-for-deletion agreement.

Ultimately, the goal of EOS CCA is to enable you to pay your debt. But that doesn’t necessarily mean he needs you to pay all of your debt. Collection agents sometimes buy debts back from the original creditor for pennies on the dollar, meaning they only have to collect a portion of the balance to profit. This can work in your favor if you negotiate with EOS CCA to remove your entry in exchange for payment.

Start by offering EOS CCA half of the total debt amount. He will likely discuss this, so you will need to negotiate with him to come to a reasonable solution that works for both parties. Make sure EOS CCA agrees to delete the entry rather than listing it as paid. Once you have reached a compromise, ask him to send you the agreement in writing. Do not make any payment until you have received this document.

After making a payment, wait 30 days before checking your credit report. You should notice that EOS CCA is no longer listed. If so, continue to make payments until you have paid the agreed amount. If EOS CCA still appears on your credit file, contact them and remind them of your agreement.

Hire a professional

If managing this whole process is too much for you, you can turn to a credit repair company, such as New Jersey-based Credit Saint or Lexington Law. Allowing a reputable credit repair company to handle negotiations with debt collectors can save you the hassle of phone calls, follow-up letters, and general stress. They can fix these issues for you and help get your credit score back on track.

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Is EOS CCA a legit company?

You might be wondering if EOS CCA is a legit company. After all, you are bound to question the authenticity of a company that calls you out of the blue and asks for money. EOS CCA is legit, but that doesn’t mean it’s fun to work with.

It has about 1,800 complaints filed against it with the Consumer Financial Protection Bureau (CFPB) and nearly 250 with the Better Business Bureau (BBB.org). Most of these complaints relate to scam behavior, including harassing phone calls, inaccurate reporting, and failure to validate a debt, all in violation of the Fair Credit Reporting Act.

Contact details of EOS CCA

You can contact EOS CCA at:

  • Mailing address: 700 Longwater Drive, Norwell, MA 02061
  • Phone number: 877-395-5997
  • Website: http://www.eos-cca.com

Doing business with EOS CCA

Deleting a collection account from your credit report is not a pleasant process, but it is worth it. By dealing quickly with EOS CCA, you can avoid a significant impact on your credit score, regain financial control, and achieve your financial goals.

You can improve your credit score and this article aims to help you. There are also other popular articles that provide more tips on how to improve your credit score.

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