Quick Answer: Credit Control, LLC is a debt collection agency based in Earth City, Missouri (St. Louis area), founded in 1989. They collect past-due accounts across multiple industries. Their phone number is (888) 365-7145. The BBB has received 75+ complaints, and 80+ federal lawsuits have been filed against them for alleged FDCPA violations. Common complaints include contacting the wrong person, failing to validate debts, and aggressive collection tactics.
If Credit Control is in your call log: A call from a debt collector is a business communication, not a crisis. Credit Control collects past-due accounts on behalf of other companies. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Credit Control, LLC |
| Type | Third-party debt collector |
| Headquartered | Earth City, Missouri (3300 Rider Trail S., Suite 500) |
| Additional Office | Tampa, Florida |
| Founded | 1989 |
| Primary Creditors | Financial services, healthcare, telecommunications, utilities |
| Primary Phone | (888) 365-7145 |
| TTY Support | (888) 401-9024 |
| BBB Rating | BBB accredited (since 2012); 75+ complaints |
| Federal Court Cases | 80+ lawsuits alleging FDCPA violations including Meisels v. Credit Control (S.D.N.Y. 2016) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Credit Control, LLC is a Missouri-based debt collector with offices in Earth City and Tampa — and with 80+ federal lawsuits, their collection practices have been challenged more than most.
Founded in 1989, Credit Control is a full-service accounts receivable management company that collects past-due accounts for creditors across financial services, healthcare, telecommunications, and utilities. Their 75+ BBB complaints and 80+ federal lawsuits paint a picture of aggressive collection practices, with recurring allegations of contacting the wrong person and failing to properly validate debts.
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Who Is Credit Control, LLC?
Credit Control, LLC is a third-party debt collector headquartered in Earth City, Missouri, a suburb of St. Louis. Founded in 1989, they operate as a full-service accounts receivable management provider with additional offices in Tampa, Florida. They are nationally licensed and collect past-due accounts for creditors across multiple industries. Credit Control doesn’t buy your debt — they’re hired by the original creditor to collect the unpaid balance.
Credit Control Phone Numbers
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (888) 365-7145 | Main collections line | Source: credit-control.com |
| (888) 401-9024 | TTY/TRS support | Source: company website |
Why Is Credit Control Calling You?
- A financial account went to collections — Credit Control works with banks, credit card companies, and financial institutions. An unpaid balance may have been placed with them.
- A healthcare or utility bill — medical bills, phone bills, or utility balances can be sent to Credit Control after a period of non-payment.
- They have the wrong person — a significant number of BBB complaints involve Credit Control contacting consumers who don’t owe the debt. If the debt isn’t yours, say so clearly and follow up in writing.
- A debt you don’t recognize — ask for the original creditor’s name and the account number. The creditor name on your statement may differ from the name Credit Control uses.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
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What Consumer Complaints Reveal About Credit Control
The BBB has received 75+ complaints about Credit Control, with a customer review average of just 1.23 out of 5. The most common issues:
Search Credit Control complaints in the CFPB database →
Read Consumer Complaint Themes (from BBB filings)
“Credit Control contacted me about a debt that isn’t mine. I’ve told them multiple times I’m not the person they’re looking for, but they continue to call and have reported it on my credit report.”
“I requested debt validation from Credit Control and never received it. They continued calling and attempting to collect without providing any documentation proving the debt is mine.”
Sources: Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
Credit Control in Federal Court
Credit Control has been named in 80+ federal lawsuits, primarily alleging FDCPA violations.
Meisels v. Credit Control, LLC (S.D.N.Y. 2016, Case 1:16-cv-06478): A consumer filed a federal FDCPA lawsuit alleging Credit Control failed to make proper disclosures in debt collection communications.
- 80+ federal lawsuits filed — cases span multiple states and typically involve violations including harassment, failure to validate debts, and improper communication practices under the FDCPA.
- Common legal allegations — failing to provide written verification of debts and threatening actions that cannot legally be taken.
Court records are sourced from CourtListener and public federal court records.
What this means for you: With 80+ federal lawsuits and 75+ BBB complaints, Credit Control’s collection practices have been frequently challenged. If they’re contacting you about a debt you don’t owe or refusing to provide validation, you may have grounds for an FDCPA claim worth up to $1,000 plus attorney fees.
What To Do If Credit Control Is Calling You
- Verify the debt is actually yours. Credit Control’s top complaint is contacting the wrong person. Confirm your name, address, and the original creditor match your actual accounts before engaging further.
- Request debt validation in writing within 30 days. Credit Control must provide the original creditor’s name, account details, and amount owed. Their complaint pattern shows they sometimes fail to provide this.
- Check your state’s statute of limitations. Check your state here.
- Send a cease-and-desist by certified mail to Credit Control, LLC, 3300 Rider Trail S., Suite 500, Earth City, MO 63045.
- Document everything. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Credit Control, LLC is a Missouri debt collector founded in 1989, based in Earth City
- Collects across financial services, healthcare, telecom, and utilities
- Phone: (888) 365-7145
- BBB accredited; 75+ complaints; 1.23/5 customer review average
- 80+ federal lawsuits for alleged FDCPA violations
- Top complaint: contacting the wrong person about debts they don’t owe
- Verify the debt is actually yours before engaging
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Frequently Asked Questions About Credit Control
Who is Credit Control, LLC?
Credit Control, LLC is a third-party debt collector headquartered in Earth City, Missouri, with an additional office in Tampa, Florida. Founded in 1989, they collect past-due accounts for creditors across financial services, healthcare, telecommunications, and utilities.
Is Credit Control a scam?
Credit Control is a legitimate, BBB-accredited debt collection agency, not a scam. However, 75+ BBB complaints and 80+ federal lawsuits indicate significant consumer issues. Their top complaint is contacting the wrong person. Verify any debt in writing before paying.
How do I stop Credit Control from calling?
Send a written cease-and-desist letter by certified mail to Credit Control, LLC, 3300 Rider Trail S., Suite 500, Earth City, MO 63045. Under the FDCPA, they must stop calling after receiving your request.
Should I pay Credit Control?
Do not pay anything until you have verified the debt is actually yours and confirmed the amount in writing. Credit Control’s most common complaint is contacting the wrong person. Get any agreement in writing before paying.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
