If Credit Control LLC is calling you about a debt you do not owe, refusing to provide validation when you request it, or making it impossible to reach anyone at the company to resolve a dispute, you are experiencing the exact pattern described in their BBB complaint record.
Credit Control is a mid-sized Missouri debt collector that has operated since 1989. It carries a BBB “A” rating (not A+) with 377 complaints. The BBB specifically notes that complaints allege “contact from the company about debts not owed, difficulty obtaining validation of debt owed, and difficulty making contact with the company.”
If Credit Control has crossed the line with you, call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. Credit Control pays our fees if we win.
Also searched as: Credit Control LLC, Credit Control debt collector, Credit Control Earth City MO, and credit-control.com. Not to be confused with CP Control, Credit Collection Services (CCS), or Central Portfolio Control, which are separate companies.
Key Takeaways
- Credit Control LLC is at 3300 Rider Trl S, Suite 500, Earth City, MO 63045. Founded January 1, 1989 (37 years). BBB-accredited since December 2012. A rating. 377 complaints. CEO: Richard Saffer.
- 5 locations: Earth City MO (HQ), Las Vegas NV, and Tampa FL (3 offices). Website: credit-control.com. Operates Monday-Saturday including Saturday mornings.
- BBB specifically notes complaints about “debts not owed,” “difficulty obtaining validation,” and “difficulty making contact” with the company.
- Dossier lawsuits include a 2017 TCPA class action for robocalling a wrong-number consumer and a 2022 medical debt case with Quest Diagnostics for collecting workers’ compensation debts.
- You may be entitled to up to $1,000 per FDCPA violation and $500 to $1,500 per illegal robocall. Credit Control pays your attorney fees if we win.
Free Case Review: +1-844-638-1122
Who Is Credit Control LLC?
Credit Control LLC is a debt collection agency headquartered at 3300 Rider Trl S, Suite 500, Earth City, Missouri 63045. The company was founded on January 1, 1989 and has been in business for 37 years. Website: credit-control.com. Main phone: (314) 442-7400.
Credit Control is led by CEO Richard Saffer. It is BBB-accredited since December 28, 2012 with an A rating (not A+, which is notable for a 37-year company). The BBB file has been open since August 7, 2007. The company operates five locations across Earth City MO (headquarters), Las Vegas NV, and Tampa FL (three offices).
Credit Control collects debts for banks, credit card issuers, medical providers, and utility companies. The company operates Monday through Friday 8 AM to 8 PM, Fridays 8 AM to 5 PM, and Saturdays 8 AM to 12 PM. Saturday collection calls are notable because many consumers do not expect weekend contact.
Why Is Credit Control Calling You?
A creditor assigned your account to Credit Control for collection. The company collects across multiple debt categories: credit card balances, bank loans, medical debt, and utility accounts.
The BBB complaint pattern reveals a recurring issue: consumers are contacted about debts they do not owe. The BBB’s own summary note states that complaints allege “contact from the company about debts not owed.” If Credit Control is calling you about a debt you do not recognize, you are not the first person to report this.
Do not pay before verifying. Request debt validation in writing within 30 days. Learn what to do when a debt collector contacts you.
Is Credit Control Harassing You?
Whether You Owe the Debt or Not, We Can Help You
- Up to $1,000 per FDCPA violation
- $500 to $1,500 per illegal robocall under the TCPA
- Attorney fees paid by Credit Control if we win
We work on contingency. You pay nothing unless we win.
FREE Case Review: +1-844-638-1122
Lawsuits Against Credit Control
TCPA Robocall Class Action (2017). A proposed class action alleged Credit Control used an automatic telephone dialing system to call a consumer’s cell phone without consent, attempting to collect a debt owed by someone else. Wrong-number robocalls are among the most straightforward TCPA violations because the consumer never consented to calls and does not owe the debt.
Medical Debt/Workers’ Compensation Case (2022). Credit Collection Services was named alongside Quest Diagnostics in a lawsuit alleging collection of medical debts that were already covered by workers’ compensation. Collecting on a debt that has been paid by another party is a federal violation.
Ongoing FCRA complaints. Credit Control has faced allegations of reporting inaccurate information to credit bureaus, including debts that do not belong to the consumer being reported on.
The 377 BBB complaints and the BBB’s own summary (“debts not owed, difficulty obtaining validation, difficulty making contact”) confirm that the issues raised in these lawsuits are part of a documented pattern, not isolated incidents. Review the top FDCPA violations.
Is Credit Control a Scam?
No. Credit Control LLC has operated for 37 years, is BBB-accredited, has a named CEO, five office locations, and a working website. It is not a scam.
However, 377 BBB complaints and an A rating (not A+) for a company that has been accredited since 2012 indicate a compliance record that falls short of the company’s own claims. The BBB’s consumer alert note specifically addresses wrong-debtor contact and validation failures.
If Credit Control is contacting you about a debt that is not yours, their legitimacy as a company does not change the fact that collecting a debt from the wrong person is a federal violation.
Credit Control Phone Numbers
- (314) 442-7400 (also 3144427400): Earth City, MO headquarters
- (877) 277-6336 (also 8772776336): Toll-free
- (866) 383-2532 (also 8663832532): Toll-free
- (800) 915-1016 (also 8009151016): Toll-free
- (866) 417-5761: BBB-listed additional number
- (636) 449-8100: BBB-listed additional number
Document every call. Given the 2017 TCPA class action for robocalling wrong numbers, automated calls to your cell without consent may be separate TCPA violations worth $500 to $1,500 each. Check how many times a collector can legally call per day.
How to Stop Credit Control
1. Request Debt Validation
Certified letter to Credit Control LLC, 3300 Rider Trl S, Suite 500, Earth City, MO 63045 within 30 days. The BBB complaint pattern specifically cites “difficulty obtaining validation.” Put your request in writing via certified mail so you have proof it was sent. See our debt validation guide.
2. Document Every Contact
Log date, time, number, and what was said. If Credit Control calls your workplace or contacts your family, document those specifically. Note Saturday morning calls (8 AM-12 PM) separately.
3. Send a Cease-and-Desist
Certified mail to the Earth City address. Review what to say and not say to a collection agency.
4. File Complaints
File with the CFPB, FTC, and the Missouri Attorney General’s consumer protection division.
5. Call an Attorney
Call +1-844-638-1122. The Wood Firm PLLC stops contact within 48 hours.
Can Credit Control Sue Me or Garnish My Wages?
Credit Control can sue you if the debt is valid and within the statute of limitations. Missouri allows 5 years for most written contracts and 10 years for judgments.
They cannot garnish your wages without a court judgment. Missouri limits wage garnishment to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage, whichever is less. Any threat of immediate garnishment without a court order is a federal violation.
How to Remove Credit Control From Your Credit Report
Debt is not yours: Given the BBB-documented pattern of contacting people about “debts not owed,” dispute with all three bureaus citing the wrong-debtor issue.
Credit Control never validated: The BBB also cites “difficulty obtaining validation.” Reference the unanswered validation request in your dispute.
Balance is inaccurate: Dispute with documentation from the original creditor.
Pay-for-delete: Negotiate written deletion before paying.
Inaccurate reporting gives you a separate FCRA claim. Learn about your credit reporting rights.
How The Wood Firm PLLC Helps
When Credit Control contacts you about a debt you do not owe, refuses to validate after your written request, or makes robocalls to the wrong number, those are actionable claims under the FDCPA, FCRA, and TCPA.
The Wood Firm PLLC has handled these cases exclusively since 2011. Never represented a creditor. You pay nothing upfront. Contact stops within 48 hours. Learn about how we work for you and why clients choose us. Read the attorney profile.
Real Cases Against Collectors Like Credit Control
Client identities are protected.
- Wrong-person collection. A collector repeatedly called a client about a debt belonging to someone else. The collector used an autodialer despite never receiving consent. The Wood Firm PLLC documented each call as a TCPA violation and obtained damages per call plus cessation.
- Validation failure. A client sent a written validation request and received no response. The collector continued calling. The Wood Firm PLLC pursued FDCPA claims for the validation failure and post-request contact.
- Workers’ comp debt. A collector attempted to collect a medical debt that was already covered by workers’ compensation. The Wood Firm PLLC documented the improper collection and obtained statutory damages.
Has Credit Control Violated Your Rights?
Whether You Owe the Debt or Not, We Can Help You
Free Consultation – No Upfront Costs – Credit Control Pays Our Fees
Frequently Asked Questions About Credit Control
Who is Credit Control LLC?
A Missouri-based debt collector at 3300 Rider Trl S, Suite 500, Earth City, MO 63045. Founded 1989. 37 years in business. BBB-accredited with an A rating. 377 BBB complaints. CEO: Richard Saffer. 5 office locations across MO, NV, and FL.
Is Credit Control a scam?
No. Credit Control has operated for 37 years with BBB accreditation. However, 377 BBB complaints and the BBB’s own note about “debts not owed” and “difficulty obtaining validation” indicate a significant compliance pattern.
What phone numbers does Credit Control use?
(314) 442-7400, (877) 277-6336, (866) 383-2532, (800) 915-1016, (866) 417-5761, and (636) 449-8100. Document every call.
Can Credit Control sue me?
Yes, if the debt is valid and within Missouri’s statute of limitations (5 years for most written contracts).
Can Credit Control garnish my wages?
Only with a court judgment. Missouri limits garnishment to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage.
What if Credit Control is calling about a debt I do not owe?
This is the most common BBB complaint pattern. Request validation in writing. If they continue calling about a debt that is not yours after receiving your dispute, each call is a potential FDCPA violation.
How do I stop Credit Control from calling?
Cease-and-desist via certified mail to 3300 Rider Trl S, Suite 500, Earth City, MO 63045.
Can I sue Credit Control?
Yes. Up to $1,000 in statutory damages per FDCPA lawsuit. $500 to $1,500 per illegal robocall under the TCPA. Attorney fees paid by Credit Control. The Wood Firm PLLC handles these on contingency at +1-844-638-1122.
Take Action Against Credit Control Today
A 37-year collector with 377 BBB complaints and a BBB note specifically citing wrong-debtor contact and validation failures has a documented pattern. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes Credit Control pay.
Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or file with the CFPB.
