Credit Collections Bureau

What Credit Collections Bureau does

Credit Collections Bureau (CCB) is a licensed, registered third-party debt collection agency established in 1987 and headquartered in Bismarck, North Dakota, with additional offices in Rapid City and Sioux Falls, South Dakota. The company operates exclusively in accounts receivable collections across healthcare, commercial/business, residential/consumer, and retail/financial verticals, serving both small-balance and large-balance accounts. Its core product is the proprietary SMART Collections methodology — a five-stage workflow covering Telephone outreach, Q&F (Qualify & Finalize) account scoring, Skip Tracing, Legal action, and Payments — supported by an ADTRAN phone-monitoring QA system, a Client View self-service portal, a 24/7 consumer payment portal at payccb.com, and a Presumptive Charity Scoring overlay. The firm has grown to a team of 70+ full-time collection representatives (described as the largest collection staff in the Midwest), with a management team carrying 100+ years of combined third-party collections experience and a dedicated in-house attorney executing more than 700 legal actions per month under FDCPA and HIPAA compliance. CCB monetizes exclusively via contingency fees on a "No Collection — No Charge" basis, with commission rates customized per client's volume and account characteristics; clients range from sole proprietors to large enterprises (e.g., Pioneer Memorial Hospital, Pennington County), and accounts are accepted through direct sales, online batch upload, or a dedicated client services team.

Name

Credit Collections Bureau

Legal name

Credit Collections Bureau

Website

https://ccbinet.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

Credit Collections Bureau is a privately held, Bismarck-based third-party debt collection agency founded in 1987, serving healthcare, commercial, consumer, and retail clients across the U.S. on a contingency-fee basis via its proprietary SMART Collections methodology, in-house legal team, and self-service client and consumer portals.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ), Third-Party Collection Agencies (Consumer) (FSAKAJAB), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Debt collection services
• Accounts receivable recovery
• Healthcare debt collections
• Commercial collections agency
• Consumer debt recovery

Headquarters

HQ city

Bismarck

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Contingency-based Collections: CCB operates on a contingency fee basis - 'No Collection - No Charge'. Clients are offered special first-time collection charges for new accounts. Commission rates are customized based on client volume and account characteristics.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Credit Collections Bureau is a licensed third-party collections agency that recovers delinquent accounts receivable on a contingency fee basis for client organizations. Its core service applies the proprietary SMART collections methodology (Telephone, Q&F, Skip tracing, Legal, Payments) to recover outstanding debts across healthcare, commercial, retail/financial, and residential/consumer portfolios, supplemented by skip tracing, in-house legal action, and 24/7 electronic payment acceptance.

Product overview

Credit Collections Bureau (CCB) is a licensed collections agency established in 1987 offering a unified collections service platform built around its proprietary SMART Collections methodology. The core product encompasses telephone-based debt collection with a Q&F (Qualify & Finalize) system that categorizes accounts into Payment in Full, Payments, Legal Action, or Close outcomes. Supporting modules include Client Portal (Client View) for client-facing account management and reporting, Consumer Portal for 24/7 debtor payments, Presumptive Charity Scoring for charity assessment, and In-House Attorney Services for legal action. The platform serves healthcare, retail, and financial clients from sole proprietors to large corporations.

Differentiator

Problem solved

Functional benefit

Products and services

• Third-Party Debt Collection Services (SMART Collections) Contingency-based third-party recovery of delinquent accounts receivable for healthcare, commercial, retail/financial, utility, and consumer clients, using CCB's proprietary SMART collections methodology from initial contact through payment or legal resolution.
• Healthcare Debt Collections

Quantifiable outcome

• Handling over 700 legal actions per month through in-house attorney
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

13 partnerships are on record, tiered minor.

• American Collectors Association international (ACA)minorOthersACA International membership providing industry standards, best practices, and networking for collectors. CCB participates in their Healthcare Services Program.
• Healthcare Financial Management Association (HFMA)minorOthersProfessional association membership for healthcare financial management professionals.
• American Association of Healthcare Administrative Management (AAHAM)minorOthersIndustry association for healthcare administrative management professionals.
• Medical Group Management Association (MGMA)minorOthersProfessional association serving medical practice administrators.
• South Dakota Association of Healthcare Organization (SDAHO)minorOthersRegional healthcare organization membership supporting South Dakota healthcare facilities.
• Rapid City Chamber of CommerceminorOthersLocal chamber membership supporting Rapid City business community.
• Sioux Falls Chamber of CommerceminorOthersLocal chamber membership supporting Sioux Falls business community.
• Bismarck-Mandan Chamber of CommerceminorOthersLocal chamber membership supporting Bismarck-Mandan business community.
• Fargo-Moorhead Chamber of CommerceminorOthersLocal chamber membership supporting Fargo-Moorhead business community.
• South Dakota & Montana Collectors AssociationsminorOthersRegional collector associations for industry networking and best practice sharing.
• SD & ND Retailers AssociationsminorOthersState retail associations supporting retail client base.
• SD & ND Multi-Housing AssociationsminorOthersMulti-housing industry associations for residential collections client base.
• Vistage InternationalminorOthersCEO coaching and peer advisory organization for business leadership development.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• IC System: IC System is a long-standing US third-party debt collection agency serving healthcare, retail and commercial clients. Highly comparable to CCB in vertical mix, contingency-fee model and SMB/healthcare focus.
• Hunter Warfield: Specializes in commercial and multi-family / residential debt recovery with a contingency model. Comparable vertical mix (commercial + consumer) and similar client portal / consumer portal infrastructure.
• Professional Finance Company: Colorado-based, family-owned third-party collection agency serving healthcare, retail and commercial creditors. Closely comparable to CCB in private ownership, contingency model and multi-vertical placement focus.
• Phillips & Cohen Associates: Specialty debt collection firm with strong healthcare and probate/estate focus, plus commercial/consumer verticals. Comparable contingency pricing, regulatory rigor and healthcare specialization.
• ConServe: New York-based contingency debt collection agency serving higher education, healthcare, financial and commercial creditors. Comparable mix of regulated verticals (incl. healthcare) and contingency pricing.
• EOS Solutions USA (EOS-USA): US arm of European debt collection group EOS, offering commercial and consumer collections, skip tracing and legal collection support. Comparable services, multi-vertical coverage and contingency model.
• Transworld Systems (TSI): TSI provides contingent debt collection and accounts receivable management across SMB, commercial and consumer accounts. Directly comparable third-party collections services to CCB's SMART portfolio.

Emerging players

• TrueAccord: Digital-first, machine-learning debt collection firm using email, SMS and web self-service. Adjacent competitive overlap with CCB's consumer/retail recovery and consumer portal — represents the technology trajectory CCB faces.

Broad incumbents

• Radius Global Solutions: Larger diversified accounts receivable management and debt buyer serving healthcare, retail, financial and government creditors. Comparable to CCB across healthcare and consumer/commercial verticals, but at greater scale and with a portfolio-purchase arm.
• Encore Capital Group / Midland Credit Management: Public debt buyer with US portfolio recovery operations servicing consumer credit. Sets the strategic benchmark for collections scale and is a broader-incumbent comparator to CCB's contingency model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Collections Bureau