Is Agency of Credit Control on Your Credit Report?
Short answer: Agency of Credit Control (AGENCY OF CREDIT CONTROL, INC.) is a real, legitimate third-party collection agency based in Denver, CO. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Agency of Credit Control?
Agency of Credit Control collects consumer accounts placed by the businesses that originally extended the credit. An agency working on contingency does not own the debt, so its records are only as complete as the file the creditor transferred — a gap that a written validation request is designed to expose.
You may also see this company on your report or in letters as: AGENCY OF CREDIT CONTROL, INC..
What most people don't know about AGENCY OF CREDIT CONTROL, INC.:
The Florida Office of Financial Regulation lists Agency of Credit Control under consumer collection agency (CCA) registration CCA9904593 with an address of record at 2014 South Pontiac Way, Denver, CO 80224, first approved February 4, 2022. The CFPB's public Consumer Complaint Database records 73 debt-collection complaints filed against "Agency of Credit Control" — a public, searchable figure you can verify yourself at consumerfinance.gov, and a useful signal that this is an entity consumers encounter directly rather than a back-office vendor.
Why Is AGENCY OF CREDIT CONTROL, INC. on My Credit Report?
Agency of Credit Control typically collects credit card debt, utility and telecom bills, retail and consumer accounts. A collection like this usually lands on your report because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off.
- ✅ The account was placed with Agency of Credit Control to collect on behalf of the original creditor.
- ✅ Agency of Credit Control furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When AGENCY OF CREDIT CONTROL, INC. Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send AGENCY OF CREDIT CONTROL, INC. a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the AGENCY OF CREDIT CONTROL, INC. tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that AGENCY OF CREDIT CONTROL, INC. stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," AGENCY OF CREDIT CONTROL, INC. can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars AGENCY OF CREDIT CONTROL, INC. from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With AGENCY OF CREDIT CONTROL, INC.
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the AGENCY OF CREDIT CONTROL, INC. entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Agency of Credit Control — Frequently Asked Questions
Is Agency of Credit Control a scam or a legitimate company?
Agency of Credit Control is a real, registered third-party collection agency headquartered in Denver, CO. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like AGENCY OF CREDIT CONTROL, INC., so always demand written validation before paying anything.
Why is Agency of Credit Control on my credit report?
Agency of Credit Control collects consumer accounts placed by the businesses that originally extended the credit. An agency working on contingency does not own the debt, so its records are only as complete as the file the creditor transferred — a gap that a written validation request is designed to expose. It most commonly collects credit card debt, utility and telecom bills, retail and consumer accounts. It likely appeared after an original account went unpaid and was placed with them for collection. The Florida Office of Financial Regulation lists Agency of Credit Control under consumer collection agency (CCA) registration CCA9904593 with an address of record at 2014 South Pontiac Way, Denver, CO 80224, first approved February 4, 2022. The CFPB's public Consumer Complaint Database records 73 debt-collection complaints filed against "Agency of Credit Control" — a public, searchable figure you can verify yourself at consumerfinance.gov, and a useful signal that this is an entity consumers encounter directly rather than a back-office vendor.
Can Agency of Credit Control be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported AGENCY OF CREDIT CONTROL, INC. collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Agency of Credit Control cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Agency of Credit Control or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to AGENCY OF CREDIT CONTROL, INC..
How long can Agency of Credit Control report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Agency of Credit Control acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Agency of Credit Control sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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