Credits

What Credits does

Credits, Incorporated is a privately held, family-owned sole proprietorship operating as a third-party debt collection and receivables management agency headquartered in Hermiston, Oregon. Founded in 1966, the firm serves more than 500 businesses across the Pacific Northwest — specifically Oregon, Washington, and Idaho — and pursues out-of-region accounts through its membership in the American Collectors Association's network of over 3,500 collection agencies worldwide. Its customer base spans six primary verticals: medical practices, government and public agencies, business and commercial enterprises, utilities and municipal services, telecommunications, and professional services, with healthcare and government identified as the principal segments.

The company's core service portfolio comprises six vertical-aligned collection offerings (Medical Collections, Delinquent Account Resolution, Revenue Cycle Management, Accounts Receivable Collections, Accounts Receivable Management, and Government Collections) supported by operational features including an in-house legal department, predictive dialing technology, early-intervention pre-charge-off programs, customized reporting, client training seminars, and a secure client web portal for account assignment, payment reporting, and reporting access. Technology integrations include TransUnion for credit reporting and debtor tracking. The firm is licensed and bonded, BBB accredited, and compliant with FDCPA, HIPAA, and applicable state regulations, and maintains memberships in ACA International.

Credits generates revenue on a contingency basis ("no collection, no pay"), with commission rates that vary based on account age, volume, and type. Some clients are billed under flat-fee structures for selected services. The company is led by Tim Mabry as President, employs between 11 and 50 people, and operates with no external funding, no parent company, and no disclosed M&A activity. Distribution is direct B2B sales within the Pacific Northwest, supplemented by inbound phone/contact inquiries and digital content marketing through its website.

Name

Credits

Legal name

Credits Incorporated

Website

https://creditsinc.com

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

11–50 employees

Short description

Credits, Incorporated is a family-owned debt collection and recovery agency founded in 1966, serving over 500 businesses across Oregon, Washington, and Idaho on a contingency-fee basis across healthcare, government, commercial, and utility verticals.

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

Medical Debt Collection & Revenue Cycle Bad-Debt Recovery (FSAKAJAM)

akta.pro secondary industry

Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Debt collection services
• Accounts receivable management
• Medical collections
• Revenue cycle management
• Commercial debt recovery

Headquarters

HQ city

Hermiston

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Collection Fees: Primary revenue stream operates on a contingency basis where no fees are charged if debt is not collected. Commission rates vary based on age of account, volume, and type of accounts. This aligns company incentives with client outcomes.
2. Flexible Commission Programs: Variable commission rates for different business types and collection needs. Some clients charged flat fees while others operate on commission-based structures depending on services selected.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Credits, Incorporated is a Pacific Northwest debt collection and recovery agency that recovers outstanding receivables on a contingency basis ("if we don't collect, you don't pay"). It delivers medical collections, delinquent account resolution, revenue cycle management, accounts receivable collections and management, and government collections for healthcare providers, law firms, retailers, financial institutions, municipalities, and other commercial clients across Oregon, Washington, and Idaho.

Product overview

Credits, Incorporated is a debt collection and recovery agency offering a unified portfolio of services centered on debt collection. The core offerings include six specialized collection services: Medical Collections (handling patient medical debt with sensitive communication), Delinquent Account Resolution (third-party collections including NSF check recovery), Revenue Cycle Management (full-cycle consulting and recovery), Accounts Receivable Collections, Accounts Receivable Management, and Government Collections. These are supported by operational features including Account Assignment, Strategic Technologies (predictive dialing), Education and Training (client seminars), Legal Expertise (in-house legal support), Early Accounts Management, Customized Reporting, and a Client Web Portal. The company operates on a contingency basis (no collection, no fee) and serves clients across Oregon, Washington, and Idaho.

Differentiator

Problem solved

Functional benefit

Products and services

• Medical Collections Medical debt collection services for physicians in private practice, hospitals, surgical clinics, and laboratories, including pre-collection programs, primary and secondary collections, and revenue cycle consulting, with sensitive communication practices and HIPAA-compliant handling.
• Delinquent Account Resolution Third-party debt collection services for businesses covering NSF check collection, bank and credit union collection, and notes, using expert negotiation tailored to individual client requirements.
• Revenue Cycle Management End-to-end revenue cycle consulting combined with pre charge-off contact and primary and secondary recovery services designed to protect company growth and improve collections.
• Accounts Receivable Collections Accounts receivable collection services with a personal approach that increases cash flow while preserving customer relationships and complying with state and federal debt collection laws.
• Accounts Receivable Management Comprehensive AR management including consulting, pre charge-off contact, and primary and secondary collections to reduce bad debt and improve cash flow.
• Government Collections Government debt collection services for public agencies and private sector businesses, featuring specialized reporting, account handling, and compliance with federal and state laws.

Quantifiable outcome

• 29% of debt collected by agencies received in under 90 days
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• American Collectors Association (ACA)coreStrategic or Co-development PartnerMembership in the American Collectors Association provides Credits, Incorporated access to pursue collections globally within a network of over 3500 collection agencies worldwide. This partnership enables the company to assist clients with collection needs beyond the Pacific Northwest region.
• ACA International (Association of Credit and Collection Professionals)coreStrategic or Co-development PartnerMembership in ACA International enables the company to stay well informed about the latest trends, challenges and best practices affecting clients' industries. The company adheres to the Association's pledge and guidelines for ethical collection practices.
• Better Business Bureau (BBB)minorStrategic or Co-development PartnerBBB Business Review accreditation displayed as a trust signal. Credits, Incorporated maintains an active BBB Business Review confirming compliance with BBB standards for ethical business practices.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• MRS Associates: Receivables management firm specializing in medical, government, and commercial collections, with similar contingency-based pricing and web portal client tools.
• Affiliated Group: Receivables management firm providing medical, commercial, and government debt recovery with contingency pricing and client portal tools—directly comparable in offerings and customer base.
• IC System: National debt collection agency with strong healthcare and commercial verticals, offering contingency-based third-party collections and accounts receivable management—directly comparable to Credits' core service model.
• Williams & Fudge: Mid-sized debt collection agency serving healthcare, education, and commercial creditors with contingency-based recovery services—comparable in size and vertical mix to Credits.
• Professional Finance Company: Healthcare-focused debt collection agency offering medical receivables management and bad-debt recovery with contingency fee models—comparable in vertical specialization to Credits' medical practice.
• Frost-Arnett Company: Healthcare-specialized debt collection agency offering medical receivables management, revenue cycle services, and patient balance recovery—overlapping with Credits' medical and RCM product lines.
• Diversified Adjustment Service: Regional debt collection agency serving commercial, healthcare, and government clients across the Midwest with contingency collections—comparable in business model and SMB/regional customer focus.

Broad incumbents

• Transworld Systems: Large provider of debt recovery and accounts receivable management for small and mid-sized businesses nationwide, competing in the same SMB commercial collections market as Credits.
• Encore Capital Group (Midland Credit Management): Large publicly traded debt buyer and collector with significant healthcare and consumer receivables exposure—relevant comparator for industry consolidation dynamics affecting regional players like Credits.
• Convergent Outsourcing (Convergent Healthcare Systems): Large national ARM and revenue cycle management provider serving healthcare, telecom, and utilities—competing for the same healthcare and government collections work that Credits performs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/creditsinc
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/credits-incorporated

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Credits