Is Credit Corp Solutions a Scam or Legit Collector? Real User Experiences

by Joe Mahlow • Updated on Apr. 01, 2026

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Is Credit Corp Solutions a scam or a legitimate debt collector? It’s a question many consumers ask after receiving unexpected calls, letters, or account notices. This is often tied to debts they don’t fully recognize.

In most cases, Credit Corp Solutions is a legitimate debt collection agency that purchases and services charged-off accounts. But legitimacy doesn’t always mean clarity, and confusion around ownership of the debt, reporting practices, and communication tactics is common.

Across consumer complaints and online discussions, patterns emerge. Ranging from repeated calls to disputes over account accuracy. Some users report successful resolutions, while others question whether the debt is even valid. This article examines how Credit Corp Solutions operates, what real users are experiencing, and how to verify a debt, respond safely, and protect your rights under federal law.

Is Credit Corp Solutions a Scam or Legit Collector

Credit Corp Solutions · Tasman Credit · Debt Buyer · FDCPA Rights · Debt Validation · CFPB Complaints

If Credit Corp Solutions is calling you, showing up on your credit report, or threatening legal action, you are not alone. Over 1,775 CFPB complaints in three years say so. Here is the full picture: who they are, what they are allowed to do, and exactly what your move should be.

Updated March 2026 · Sources: CFPB complaint database, BBB complaint data (April 2025), Gissendaner v. Credit Corp Solutions W.D.N.Y. 2019, Reddit r/personalfinance and r/CreditCards, Texas Law Help

Verdict: Scam or Legit?

Credit Corp Solutions is a real, registered debt collection company headquartered in Draper, Utah. They are not a phone scam pretending to be a collector. They are a licensed debt buyer that purchases charged-off consumer debts and legally pursues collection. However, "legit" does not mean they always follow the law. Their CFPB complaint total reached 1,775 in three years and a federal class action was filed against them in 2019 for FDCPA violations. Do not ignore them. Do not pay them before doing these five things first.

Who Is Credit Corp Solutions? The Full Company Profile

Credit Corp Solutions, Inc. is a debt buyer, not a traditional third-party debt collection agency. The difference matters.

A traditional collector calls you on behalf of the original creditor, who still owns the debt. Credit Corp Solutions actually purchases charged-off accounts outright, typically for pennies on the dollar, and then becomes the legal owner of the debt. That means when they contact you, the original bank or lender is no longer in the picture. All negotiation happens directly with Credit Corp Solutions.

Why Are They Also Called "Tasman Credit"? Other Names Credit Corp Solutions Uses

This is one of the most commonly confused questions about Credit Corp Solutions. If you received mail or a call from a company you have never heard of but it seems connected to your old debt, it may be Credit Corp Solutions operating under one of their trade names.

Credit Corp Solutions operates under multiple names depending on your state. If you were contacted by any of these, it is the same company:

Tasman Credit Corp Tasman Credit Credit Corp Collections Agency CCS

Per their own official disclosures and confirmed by state licensing records: they use Tasman Credit Corp in Alabama, Tennessee, Virginia, and Wisconsin. They use Tasman Credit in New Hampshire, New York, and Connecticut. In Nevada and Indiana, they operate as Credit Corp Collections Agency.

The name on your summons, collection letter, or credit report entry may be any of these. They are all Credit Corp Solutions, Inc. Your rights under the FDCPA and FCRA apply equally regardless of which name they used.

Credit Corp Solutions Complaints: What the Numbers Actually Say

1,775 CFPB complaints over 3 years (as of April 2025) CFPB Complaint Database

739 BBB complaints in 3 years (as of April 2025) Better Business Bureau

~10% Of CFPB complaints specifically allege debt not actually owed CFPB complaint analysis

The number one complaint category across both the CFPB and BBB is "attempting to collect a debt not owed." This is not just unhappy customers. It reflects a structural problem with bulk debt purchases. When Credit Corp Solutions buys a portfolio of thousands of charged-off accounts for a fraction of the face value, they sometimes get accounts with errors: wrong names, already-paid debts, debts past the statute of limitations, or debts that genuinely belong to someone else.

In 2019, a federal class action lawsuit titled Gissendaner v. Credit Corp Solutions, Inc., filed in the Western District of New York (Docket 6:18-CV-06313-EAW), alleged systemic FDCPA violations in their collection practices operating under the Tasman Credit name. That case has been cited in subsequent FDCPA litigation involving the company.

What this means for you: If Credit Corp Solutions is contacting you, there is a meaningful chance the debt has errors. Nearly 1 in 10 CFPB complaints against them involve someone disputing that the debt is even theirs. Before paying a dollar, verify. That is not optional advice. That is step one.

Real People, Real Experiences With Credit Corp Solutions

These are documented user accounts from Reddit, consumer advocacy forums, and BBB complaint records. They represent the most consistent patterns reported about Credit Corp Solutions across the past two years.

What the Community Says About Credit Corp Solutions

Reddit r/personalfinance · PayPal debt sold to Credit Corp Solutions

"Out of the blue I received an email saying PayPal sold my account to Credit Corp Solutions Inc. I called them reporting the debt as fraudulent. They sent me a fraud packet to complete. I never confirmed I owed anything. The entry came off my report 45 days after I returned the packet."

Outcome: Fraud dispute submitted, entry removed within 45 days

Reddit r/CreditCards · Small balance pay-for-delete with Credit Corp Solutions

"I just had a rather small collection with them ($609) and they agreed to PFD. I initially disputed and verified the debt, then negotiated the settlement. Got the deletion in writing before I paid. Entry came off all three bureaus within 30 days. They were actually easier to deal with than I expected once I stopped ignoring them."

Outcome: Pay-for-delete agreed, written confirmation obtained, entry removed

Consumer advocacy forum · Call volume harassment

"They called me 87 times between July 5th and August 23rd. 35 of the past 49 days. Using 12 different phone numbers. That is not trying to collect a debt. That is harassment. I filed with the CFPB and an attorney took my case on contingency. Still pending but calls stopped the moment I sent the cease letter."

Outcome: FDCPA violation documented, CFPB complaint filed, attorney case pending

BBB complaint record · Celtic Bank debt reported as not theirs

"Celtic Bank put a collection on my account through Credit Corp Solutions. I disputed it numerous times and told them I drive commercial trucks over the road and my identity has been stolen twice. The debt is not mine. After 4 years on my report they still had not removed it. Filed with the BBB and the dispute was finally resolved."

Outcome: Multi-year dispute, resolved after BBB complaint escalation

Reddit r/personalfinance · Debt validation success

"Sent a debt validation letter within 30 days of their first contact. They could not provide the original credit agreement or a clear chain of ownership from the original creditor. Under the FDCPA they had to stop collection activity. Entry was removed from my Experian and TransUnion report without me paying anything."

Outcome: Validation failed, collection stopped, entries removed at no cost

Red Flags From Credit Corp Solutions vs. What Is Actually Legal

The complaints about Credit Corp Solutions cluster around specific behaviors. Here is the honest breakdown of what crosses the legal line and what is within their rights.

Reported behaviors that may be FDCPA violations

Calling dozens of times per month using rotating phone numbers
Attempting to collect a debt not owed or already paid
Failing to provide debt validation when requested in writing within 30 days
Continuing collection activity while a validation request is pending
Threatening legal action with no genuine intent to sue
Not clearly identifying the original creditor when asked

What Credit Corp Solutions is legally allowed to do

Call and send letters to collect a debt they legally own
Report the account to Experian and TransUnion
File a lawsuit to obtain a judgment against you
Offer payment plans or settlement amounts
Call between 8 a.m. and 9 p.m. in your time zone
Contact you about the same debt after a period of no contact

The rotating phone number tactic is worth knowing about. Multiple users report Credit Corp Solutions using 12 or more different phone numbers to reach them. This is a documented pattern. Save this page and compare: if you are getting calls from various unknown numbers about the same debt, that pattern itself may be relevant if you file an FDCPA complaint. Document every number, date, and time.

What to Do If Credit Corp Solutions Contacts You: 5 Steps

Do not pay immediately and do not confirm you owe the debt

Saying "yes I owe this" verbally can restart the statute of limitations clock in many states. Do not confirm or deny anything until you have validated the debt in writing. If you are in Texas, the SOL on credit card debt is 4 years. If you are in Ohio, it is 6 years. If the clock has run out, you have a complete legal defense and any payment will restart the SOL from zero.

Send a debt validation letter within 30 days of first contact

You have 30 days from Credit Corp Solutions' first contact to send a written validation request under FDCPA Section 1692g. They must stop all collection activity while they gather and send complete documentation. This includes: the original creditor's name, the original account number, the complete balance breakdown, and documentation of how they acquired ownership of the debt. Credit Corp Solutions purchases accounts in bulk. Their documentation chain is often incomplete. See the sample letter below.

Check your credit report for FCRA errors in their entry

Pull your Experian and TransUnion reports (Credit Corp Solutions typically does not report to Equifax). Find their entry. Check: the Date of First Delinquency, the reported balance versus the original balance at charge-off, and whether the same debt is being reported twice. A wrong delinquency date is one of the most common FCRA violations with debt buyers. If the date they report is later than your actual first missed payment, that error is disputable under FCRA Section 623(a)(5) and may result in the entry being removed entirely.

Negotiate a pay-for-delete if the debt is valid

Credit Corp Solutions purchased your debt for a fraction of the face value. On a $1,000 debt, they may have paid $50 to $150. Settlement offers between 30% to 60% of the balance are realistic starting points. More importantly, ask for a written pay-for-delete agreement before sending any money. The agreement must specify that they will submit a deletion request to all three bureaus, not just update the status to "paid." Per documented Reddit experiences, Credit Corp Solutions has agreed to pay-for-delete on balances under $1,000. Get it signed before paying.

Report FDCPA violations to the CFPB and consult a consumer attorney

If Credit Corp Solutions called you excessively, continued contact after you requested them to stop, disclosed your debt to a third party, or failed to validate after your written request, those are documented FDCPA violations. File at consumerfinance.gov. Under FDCPA Section 1692k, each violation is worth up to $1,000 in statutory damages plus attorney fees paid by the collector. Most consumer law attorneys take these cases on contingency at zero upfront cost to you.

Sample Debt Validation Letter: Credit Corp Solutions Certified Mail, Return Receipt

"I am writing in response to your recent contact regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692g, I am requesting that you provide complete written verification of this debt within 30 days of this letter. Please provide: (1) the name and address of the original creditor, (2) the original account number, (3) the amount alleged to be owed, including an itemized breakdown of principal, interest, and fees, (4) the date of first delinquency on the original account, (5) documentation establishing that Credit Corp Solutions, Inc. has legal ownership of this debt including the complete chain of assignment from the original creditor. Please be advised that all collection activity must cease until complete validation is provided. This notice is being sent by USPS Certified Mail."

Address this to Credit Corp Solutions, Inc. at 121 W. Election Road, Suite 200, Draper, UT 84020. Keep the certified mail tracking number and return receipt card. If they cannot provide the documentation listed, they must stop all collection activity and may be required to remove the entry from your credit report.

ASAP Credit Repair USA

Credit Corp Solutions on Your Report? Get a Free Audit Before Deciding What to Do.

Their entry may contain FCRA-disputable errors including a wrong Date of First Delinquency that is keeping the collection on your report longer than the law allows. A free 3-bureau audit identifies every error before you pay, settle, or dispute anything.

Get My Free Credit Audit → Secure · 2 minutes · No credit card required

Can Credit Corp Solutions Sue You?

Yes. Credit Corp Solutions does file lawsuits, and they use state courts across the country to obtain judgments. This is not an empty threat. A 2024 Ohio Court of Appeals case (Credit Corp Solutions, Inc. v. Rivas) shows them actively pursuing state court judgments, though in that case the judgment was reversed on appeal due to procedural errors by the trial court.

If you receive a summons from Credit Corp Solutions or Tasman Credit, the response deadline depends on your state. In most states, you have 20 to 30 days to file a written Answer. In Ohio, it is 28 days. Missing that deadline results in a default judgment, giving them authority to garnish wages (in most states) and levy bank accounts.

The most powerful defense at the hearing stage is demanding complete documentation of the chain of ownership. Credit Corp Solutions purchased your debt through multiple assignments after the original creditor wrote it off. If they cannot produce an unbroken chain of documentation from the original creditor to themselves, they may lack standing to sue at all. That defense has resulted in case dismissals in multiple documented instances.

How to Get Credit Corp Solutions Off Your Credit Report

There are four paths. The right one depends on whether the debt is valid and whether there are errors in the entry.

Path 1: FCRA Dispute for Errors (Free, Most Powerful)

If the Date of First Delinquency is wrong, the balance is inflated, or the same debt appears twice, file specific disputes with Experian and TransUnion citing the exact FCRA section violated. Bureaus have 30 days to investigate. A valid dispute with documentation forces Credit Corp Solutions to either correct the error or have the entry removed.

Path 2: FDCPA Debt Validation Failure

If Credit Corp Solutions cannot produce complete documentation in response to your validation letter, they must stop all collection activity and may be required to delete the tradeline. This path costs nothing and has resulted in confirmed removals for consumers with small-balance debts where the original account records were incomplete.

Path 3: Pay-for-Delete Agreement

If the debt is valid, negotiate a settlement with a written pay-for-delete agreement. Credit Corp Solutions has agreed to pay-for-delete in documented cases. Get the signed agreement before any payment. Specify deletion, not status update, in the agreement language.

Path 4: Wait for the 7-Year Automatic Removal

If none of the above apply and the debt is valid, the entry drops automatically from your credit report 7 years from the Date of First Delinquency under FCRA Section 605(a)(4). If Credit Corp Solutions has re-aged that date, disputing the DOFD is still worthwhile to shorten the remaining damage window.

Frequently Asked Questions About Credit Corp Solutions

Is Credit Corp Solutions a scam?

No. Credit Corp Solutions is a real, licensed debt buyer incorporated in Utah in 2011 with operations in the U.S., Australia, and New Zealand. The company is listed with the BBB, appears in state licensing databases, and operates under a registered corporate entity. However, they have 1,775 CFPB complaints in three years and a federal class action was filed against them in 2019 for FDCPA violations. "Legitimate" and "always following the law" are two different things. Treat them as a real collector with real legal teeth, and verify every claim they make before responding or paying.

Why is Credit Corp Solutions on my credit report?

Credit Corp Solutions appears on your credit report because they purchased a charged-off debt that was originally owed to another creditor, typically a bank, credit card issuer, or retailer. They report the collection account to Experian and TransUnion. The entry can appear under "Credit Corp Solutions," "Tasman Credit," "Tasman Credit Corp," or "Credit Corp Collections Agency" depending on your state. If you do not recognize the original creditor listed, request debt validation to confirm what account they are collecting on and verify the chain of ownership.

Does Credit Corp Solutions report to all three credit bureaus?

Credit Corp Solutions typically reports to Experian and TransUnion. Reports of Equifax reporting from Credit Corp Solutions are less common. If a Credit Corp Solutions entry appears on your Equifax report and not the others, that warrants investigation as a potential mixed-file error. Pull all three reports at AnnualCreditReport.com and compare the entries across bureaus.

Will Credit Corp Solutions accept a pay-for-delete?

In documented cases, yes. Reddit users and consumer forum members have confirmed pay-for-delete agreements with Credit Corp Solutions on balances under $1,000. They tend to be more flexible on smaller balances. Always get the pay-for-delete agreement in writing, signed by a Credit Corp Solutions representative, before sending any payment. The written agreement should specify deletion from all three bureaus, not a status update to "paid collection."

What is the phone number for Credit Corp Solutions?

Credit Corp Solutions' main consumer number is 1-800-483-2361. However, they are documented as using multiple rotating phone numbers. If you receive calls from various unknown numbers about the same debt, note each number, date, and time. If the call volume is excessive, this documentation supports an FDCPA complaint for harassment under 15 U.S.C. Section 1692d.

Can I dispute a Credit Corp Solutions debt I already paid?

Yes. If you paid a debt and Credit Corp Solutions is still reporting it as an active collection, that is an inaccurate entry disputable under FCRA Section 611. File disputes with Experian and TransUnion including documentation of your payment (bank statement, settlement letter, payment confirmation). A paid collection entry that continues to report as unpaid is a clear FCRA violation and among the most straightforward disputes to win.

How long does Credit Corp Solutions stay on my credit report?

Under the FCRA, a collection account stays on your credit report for 7 years from the Date of First Delinquency, which is the date of your first missed payment that led to the original account going into default. Credit Corp Solutions reports to Experian and TransUnion and the 7-year clock applies to their entry. If they have reported a delinquency date that is later than your actual first missed payment, that re-aging is an FCRA violation that can be disputed to either correct the date or remove the entry entirely.