CBSA Collections

Name

CBSA Collections

Legal name

Credit Bureau Services Association

Website

https://cbsasolutions.com

Company type

Private

Founded year

1907

Operating status

Operating

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144), Credit Bureaus (561450), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAJAB

Third-Party Collection Agencies (Consumer)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

SECONDARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYBPAAAEAJ

Specialty & Regulated Collections (Medical, Student Loan, Government, HOA)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYFSAKAJAN

Utilities/Telecom & Other Non-Financial Receivables Collections

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Debt collection services
• Credit reporting solutions
• Accounts receivable management
• Skip tracing services
• Consumer credit information

Headquarters

HQ city

Stillwater

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, Infrastructure

Revenue model

1. Debt Collection Services: Collection services for delinquent accounts including written and telephone communications, skip-tracing, credit bureau reporting, income and asset verification, and litigation services. Revenue generated through contingency/performance-based arrangements with clients.
2. Outsourcing Services: Management of self-pay A/R and after-insurance balance through Woodland Outsourcing, including consistent patient contact, accelerated phone contact, and systematic follow-up.
3. Credit Reporting Services: Equifax credit reporting services provided through partnership with Computer Sciences Corporation in Oklahoma counties (Stillwater, Enid, Ponca City). Services include credit profile reports, scoring, skip-locate, and employee screening.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

CBSA Collections (Credit Bureau Services Association) provides debt collection and credit reporting services to enterprise clients in banking, healthcare, utilities, higher education, and retail. Its collections services include written and telephone communications, skip-tracing, credit bureau reporting, income and asset verification, and litigation support. Its credit reporting division delivers Equifax-affiliated consumer credit information, scoring, skip-locate, and applicant screening products, supported by secure web portals (FACS Web) and certified Professional Collection Specialists.

Product overview

CBSA Collections is a debt collection and credit reporting organization founded in 1907, offering a unified suite of receivables management solutions. The core offerings consist of Collections Services (debt recovery with skip-tracing, credit bureau reporting, and litigation support) and Credit Reporting Services (Equifax-affiliated credit information products including ACROFILE PLUS, BEACON scoring, DTEC, FINDERS, PERSONA, and E-PORT). Additionally, the Woodland Outsourcing sub-brand handles self-pay A/R and after-insurance balance management, while FACS Web and Consumer Access Portals provide online account management. These products share common infrastructure including secure web portals, skip-tracing capabilities, and compliance with FDCPA and HIPAA regulations.

Differentiator

Problem solved

Functional benefit

Products and services

• Collections Services
• Woodland Outsourcing
• ACROFILE PLUS
• BEACON
• DTEC
• FINDERS
• PERSONA
• E-PORT

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• EquifaxcoreTechnology or IntegrationCBSA provides Equifax credit reporting services in Oklahoma counties (Stillwater, Enid, Ponca City) through partnership with Computer Sciences Corporation which holds Equifax rights throughout Oklahoma. Services include ACROFILE PLUS, BEACON scoring, DTEC, FINDERS, PERSONA, and E-PORT.
• Computer Sciences CorporationcoreTechnology or IntegrationPartnership through which CBSA provides Equifax credit reporting services in Oklahoma, as CSC holds the Equifax rights throughout the state.
• American Collector's AssociationcoreOthersCBSA employees are certified Professional Collection Specialists through the American Collector's Association (ACA). This certification ensures all collectors meet professional standards for ethical debt collection practices.
• Woodland OutsourcingcoreStrategic or Co-development PartnerWoodland Outsourcing handles management of self-pay A/R and after-insurance balance for healthcare clients. Provides consistent patient contact, accelerated phone contact, integrated skip tracing, and systematic follow-up to maximize cash flow from self-pay A/R and lower bad debt write-offs.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Direct peers

• IC System: Long-established third-party consumer debt collection agency serving financial, healthcare, retail, and government clients across the United States. Directly comparable to CBSA in business model, verticals served, and contingency-fee revenue approach.
• Afni, Inc. Major U.S. third-party debt collection and customer contact services firm with strong presence in insurance, healthcare, and financial services. Directly comparable in services, verticals, and contingency-fee pricing.
• State Collection Service: Three-generation debt collection agency serving healthcare, financial, and government clients. Comparable in multi-generational history, vertical mix, and self-pay healthcare focus.
• Sunrise Credit Services: Third-party consumer debt collection agency serving financial institutions, healthcare, and retail. Comparable in service mix and ACA-style certification posture.
• Williams & Fudge: Long-standing third-party collection agency serving higher education, healthcare, and commercial clients. Closely comparable to CBSA's college and university collection vertical.
• Transworld Systems: Debt collection and accounts receivable management firm serving small businesses, healthcare providers, and education clients. Direct competitor in third-party collections with similar vertical mix.
• Convergent Outsourcing: Large third-party consumer and commercial debt collection agency offering recovery, customer management, and back-office services. Competes with CBSA in healthcare, banking, and utility A/R management.
• Professional Finance Company: Healthcare-focused receivables management and third-party debt collection firm. Directly overlapping with CBSA's Woodland Outsourcing and hospital A/R business.

Broad incumbents

• Equifax: National consumer credit bureau and credit reporting solutions provider. CBSA is a regional reseller of Equifax products, making Equifax both a key partner and a broad incumbent in the same reporting space.
• Experian: Global credit bureau and consumer credit reporting company offering scoring, monitoring, and fraud products. Operates broadly in the same category as CBSA's credit reporting division but at national scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

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 CBSA Collections