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Agency #15

Credit Control, LLC

National accounts-receivable management provider · Earth City, Missouri

Phone-number answer

Checking a call from Credit Control, LLC?

The published phone numbers below can help you look up the company. Caller ID can be spoofed: a matching number does not authenticate a caller or prove that you owe a debt.

What happened?

Choose the situation that fits. Keep a record as you go.

Wrong person

If the call is for someone else, say they have the wrong person and ask them to stop calling your number. Do not give sensitive identity or financial details to an unverified caller.

Log the date, displayed number, callback number, voicemail, and your request. If the collector claims you owe the debt, use a written dispute explaining that it is not yours.

Log wrong-person calls Dispute a debt that is not yours

For a written dispute, use the validation-period end date printed on the notice and keep proof of submission. If you have no notice, request the validation information; do not guess a deadline. A call or log entry does not replace that dispute.

Sources
  1. CFPB debt dispute rights — Consumer Financial Protection Bureau
  2. CFPB debt collection limits — Consumer Financial Protection Bureau
Unfamiliar debt

Ask for written validation information and compare the creditor, account reference, amount, and dates with your records. Do not confirm that you owe it or agree to pay while you are still checking.

Request the debt details Dispute an unfamiliar debt Keep a collector call log

An information request is not always a dispute. If you dispute the debt, say so in writing by the notice’s printed validation-period end date and keep proof. If the notice is missing, request it; do not guess a deadline or assume collection must pause.

Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. CFPB debt dispute rights — Consumer Financial Protection Bureau
Received a notice

Save the notice and envelope or original electronic message, and note when it arrived. Check the collector, creditor, itemized amount, account reference, and printed validation-period end date against your records.

If you dispute the debt or amount, send or submit a written dispute on or before that printed end date. Keep a copy and proof of when you sent it. A phone call or call-log entry does not replace a timely written dispute.

Build a validation dispute letter Track the notice and follow-up Check notice and deadline next steps
Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau

Court papers? A validation letter does not replace a court response. Protect the court deadline first.

Check a payment link or existing payment plan
Consumer support
1-888-365-7145
TTY/TRS support
1-888-401-9024

End the incoming call and find a contact number independently through the company’s official website or your original creditor’s known contact channel. Check the written debt information separately before sharing sensitive information or paying. Why caller ID can be spoofed (FTC).

Sources for the phone answer
Sources
  1. Credit Control — Credit Control, LLC
  2. FTC phone scams and caller ID spoofing — Federal Trade Commission
  3. CFPB collector legitimacy checks — Consumer Financial Protection Bureau

Credit Control is a debt-collection company founded in 1989 and licensed nationwide to collect on past-due accounts for its clients.

Why this company appears here

It works for major banks, credit unions, online lenders, phone companies, colleges, and healthcare providers, so its name can show up on many kinds of accounts.

Common account types

  • Bank and credit card accounts
  • Fintech and digital-lender accounts
  • Telecom balances
  • Healthcare and education accounts

Check the company before you click or pay.

Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.

Legal name
Credit Control, LLC
Official website
https://www.credit-control.com/
Consumer portal
https://payments.credit-control.com/
Phone - Consumer support
1-888-365-7145
Phone - TTY/TRS support
1-888-401-9024
Mailing address
3300 Rider Trail S, Suite 500, Earth City, MO 63045
Last reviewed
June 11, 2026

A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.

Identity sources
  1. Credit Control — Credit Control, LLC

Find out who actually owns the account.

A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.

Possible role: Third-party collector, ARM provider, and revenue-cycle vendor

Credit Control describes itself as a collections agency that recovers past-due accounts for clients — collecting both under its own name and under a client's. There's no clear primary-source sign that it generally buys debt, so treat it as a collector working for the account's owner.

  • Treat Credit Control as collecting a placed account unless its notice says it owns the debt; ask who the current creditor is.

  • Ask for validation identifying the current creditor, original creditor if different, account number, current amount, and itemization of interest, fees, payments, and credits.

Role sources
  1. Credit Control FAQ — Credit Control, LLC
  2. Credit Control client services — Credit Control, LLC
  3. CFPB validation notice rules — Consumer Financial Protection Bureau

What official records say.

Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.

  • The District of Maryland dismissed debt-collection, credit-reporting, and defamation claims involving Credit Control after sending the dispute to arbitration and finding no facts showing Credit Control continued collection after the consumer's August 5, 2020 notice.

    Source
    1. Phears v. LVNV Funding and Credit Control — U.S. District Court for the District of Maryland via GovInfo

  • An SEC-filed proxy statement described Credit Control as a collection agency licensed in all U.S. states and territories, providing third-party collection services and first-party past-due account services.

    Source
    1. Easterly Acquisition Corp. proxy statement — U.S. Securities and Exchange Commission

  • The Eleventh Circuit held that a Credit Control initial voicemail was a debt-collection communication requiring initial disclosures, while also holding that naming Credit Control and identifying the call as from a debt collector was enough without the individual caller's name.

    Source
    1. Hart v. Credit Control — U.S. Court of Appeals for the Eleventh Circuit

Start with the facts you can check.

  • Credit Control may offer payment plans or settlements; confirm whether payment changes credit reporting and whether any deletion promise is in writing.
  • Large-bank placements require matching the original creditor account number to your own records.

Confirm the account first.

Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.

  • The collector name, mailing address, phone number, and website on the letter you received.
  • Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
  • Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
  • Whether the account appears on your official credit reports from AnnualCreditReport.com.
  • Whether this looks like the kind of account Credit Control, LLC commonly handles: Bank and credit card accounts, Fintech and digital-lender accounts, Telecom balances, Healthcare and education accounts.
Put it in writing
Debt validation letter template Collector call log template
Sources
  1. Credit Control — Credit Control, LLC
  2. CFPB validation notice rules — Consumer Financial Protection Bureau
  3. CFPB debt dispute rights — Consumer Financial Protection Bureau

Questions people ask about Credit Control, LLC.

Use these answers to sort out roles, names, portals, and account details before responding.

Is Credit Control, LLC a legitimate debt collector, and how do I contact them?

Credit Control, LLC says it is a nationally licensed collections agency founded in 1989. Its official site lists consumer phone, TTY/TRS, and mailing-address information; use those official details or the information in your written notice rather than an unverified caller.

Sources
  1. Credit Control FAQ — Credit Control, LLC
  2. Credit Control contact — Credit Control, LLC
Where can I log in or make a payment to Credit Control?

Credit Control links consumers to its online payment and login portal from its official website. The company says consumers can review options online, make payments by phone, and that it does not charge a fee for website or phone payments.

Sources
  1. Credit Control — Credit Control, LLC
  2. Credit Control FAQ — Credit Control, LLC
Does Credit Control own my debt?

Not necessarily. Credit Control describes itself as collecting past-due accounts after a creditor or lender places an account with it, so the account owner may be someone else. Check the collection notice for the current creditor, original creditor, account number, and amount.

Sources
  1. Credit Control FAQ — Credit Control, LLC
  2. CFPB validation notice rules — Consumer Financial Protection Bureau
What kinds of accounts does Credit Control collect?

Credit Control says it serves large financial institutions, major banks, credit unions, fintech lenders, telecom providers, colleges and universities, and major healthcare providers or hospital systems. Its notices and disclosures may vary by account type and state.

Sources
  1. Credit Control — Credit Control, LLC
  2. Credit Control required notices — Credit Control, LLC
Can I ask Credit Control for a settlement or payment plan?

Credit Control says flexible payment plans and possible settlement options may be available depending on the account. Get any agreed payment plan, settlement amount, deadline, and credit-reporting terms in writing for your records.

Sources
  1. Credit Control — Credit Control, LLC
  2. Credit Control FAQ — Credit Control, LLC
What if I do not recognize the debt or think the amount is wrong?

Do not provide sensitive payment information until you confirm the collector and account details. Ask for validation information showing the creditor name, amount owed, and dispute instructions. Send or otherwise submit a written dispute on or before the validation-period end date printed on the notice. When it receives that timely dispute, the collector generally must cease collection of the debt, or any disputed portion of the debt, until it sends verification or a copy of a judgment. If it reasonably determines that a repeat dispute is duplicative—substantially the same as one it already answered, with no new and material information—it may instead send a notice explaining why and referring to its response to the earlier dispute.

Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. CFPB debt dispute rights — Consumer Financial Protection Bureau
  3. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau
  4. Regulation F Small Entity Compliance Guide § 12.3 (submission and receipt timing) — Consumer Financial Protection Bureau
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