This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 120 complaints

Credico. Inc - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about Credico. Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record credico-inc Credico. Inc

Grade D · 120 CFPB filings · 99% timely · lead issue: False statements or representation

  • VOL 120
  • GRADE D
  • 12MO 11
  • STATES 18
  • TIMELY 99%
  • DISPUTE 26%
  • ISSUE False statements or repres…
  • RANK #752
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Adir International LLC (120 complaints)

Adir International LLCAdir International LLC120Texas GuaranteedTexas Guaranteed120Credico. Inc (this)Credico. Inc (this)120American Recovery Service IncorporatedAmerican Recovery Service In…121C.Tech Collections, Inc.C.Tech Collections, Inc.121
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credico. Inc's 120 CFPB complaints sit next to Adir International LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 120 complaints break down

Every complaint issue type on record for Credico. Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.1/100
Credico. Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
120
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

65.8% of Credico. Inc's CFPB filings land in South Dakota

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
South Dakota 65.8%
79 of 120 filings · 18 states touched
Seasonal peak
2019-03 11.8%
8–15% band · 4 filings
Corpus ranks
#752 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Credico. Inc compare to its peers?

How does CREDICO. INC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
CREDICO. INC National average
Complaints (last 12 mo)lower is better
11
73
268
Timely-response ratehigher is better
99%
86%
91%
Consumer-dispute ratelower is better
26%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Credico. Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30% Timely response rate (%) Dispute rate (%) Credico. Inc vs. 9 similar-volume peers, by response speed and dispute rate Credico. IncADIR INTERNATIONAL LLCTexas GuaranteedSeterus, Inc.CREDIGY USA CORP.C.Tech Collections, Inc.GVA Holdings, LLCAmerican Recovery Service IncorporatedSouthern Credit Recovery, Inc.Professional Adjustment Corp. of S.W. FL., Inc.
Source: CFPB Consumer Complaint Database

Credico. Inc's complaint volume in context

Credico. Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

120 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Credico. Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-11 2025-07

Issue Detail Breakdown

Issue Complaints
False statements or representation
23
Written notification about debt
20
Communication tactics
19
Attempts to collect debt not owed
16
Took or threatened to take negative or legal action
16
Cont'd attempts collect debt not owed
12
Disclosure verification of debt
4
Taking/threatening an illegal action
4
Threatened to contact someone or share information improperly
3
Improper contact or sharing of info
3

Where do complaints against Credico. Inc come from?

Credico. Inc's own per-state count, not a national baseline.

Top states by complaints against Credico. Inc

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credico. Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 120.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.14529914529915%.

4 peers

Know your rights before responding to Credico. Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.