What is the most common complaint against Credits, Incorporated?

The most common issue consumers report about Credits, Incorporated is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 28 complaints filed with the CFPB.

Are complaints against Credits, Incorporated increasing or decreasing?

Complaints against Credits, Incorporated are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credits, Incorporated's reputation grade?

Credits, Incorporated has a reputation grade of F (score: 43.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credits, Incorporated respond to consumer complaints?

Credits, Incorporated has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does Credits, Incorporated operate?

Credits, Incorporated has received CFPB complaints from consumers in 5 states, with the most complaints from Oregon (19 complaints).

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

Credits, Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade F.

Compiled by PlainCollector

Written notification about debt

16
Attempts to collect debt not owed

7
Took or threatened to take negative or legal action

2
False statements or representation

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record credits-incorporated Credits, Incorporated

Grade F · 28 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #1589 · compose #4798

VOL 28
GRADE F
12MO 15
STATES 5
TIMELY 100%
DISPUTE 100%
ISSUE Written notification about…
RANK #1,589
COMPOSE #4,798

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credits, Incorporated's 28 CFPB complaints sit next to Access Capital Services, Inc. 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 →

State-heavy filing map

67.9% of Credits, Incorporated's CFPB filings land in Oregon

High volume does not equal a clean composite: Credits, Incorporated is volume #1,589 but composite #4,798, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 67.9%; 19 of 28 filings · 5 states touched
Seasonal peak: 2025-05 11.3%; 8–15% band · 8 filings
Divergent corpus ranks: #1,589 volume; #4,798 composite; Cleanest-composite ladder is 3,209 places worse than volume

How does Credits, Incorporated compare to its peers?

How does Credits, Incorporated compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credits, Incorporated National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

96%

91%

Consumer-dispute ratelower is better

100%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-02

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	16
Attempts to collect debt not owed	7
Took or threatened to take negative or legal action	2
False statements or representation	2
Communication tactics	1

Where do complaints against Credits, Incorporated come from?

Credits, Incorporated's own per-state count, not a national baseline.

Oregon

19
Washington

4
Idaho

3
Arizona

1
Kentucky

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credits, Incorporated: 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: 28.

4 peers

Know your rights before responding to Credits, Incorporated: 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.