CREDIT BUREAU ASSOCIATES

What CREDIT BUREAU ASSOCIATES does

Credit Bureau Associates (CBA) is a privately held accounts-recovery and credit-services firm headquartered in Tifton, Georgia, operating with a 15-person team. The company positions itself as a 'leading collection and credit service for businesses and individuals,' offering debt-collection and credit-management services aimed at collecting past-due accounts, enhancing client cash flow, reducing accounts receivable balances, and improving bottom-line profitability. Its service offering is delivered by what the company describes as 'trained collection experts,' with the firm's primary self-stated differentiator being an 'undeniable reputation of integrity in dealing with creditors and customers.'

The company's underlying technology stack is not publicly disclosed, and there is no evidence of proprietary software, automation platforms, API integrations, or digital tooling beyond a basic informational website (accountsrecovery.com) comprising Home, About Us, and Contact Us pages. There is no mobile application, no disclosed SDK or API surface, no patents or trademarks on record, and no third-party integrations referenced in the source material. The product offering is consequently best characterized as a service-oriented, labor-driven collection operation rather than a technology platform.

Commercially, CBA operates a direct-to-customer go-to-market model in which prospective clients initiate contact via the company website. Revenue is generated on a transaction-fee basis tied to the recovery of past-due accounts, serving two stated customer segments — businesses seeking accounts-receivable management and individuals requiring credit and collection services — through a single horizontal engagement model. No pricing tiers, fee schedules, contract structures, or revenue figures are publicly disclosed, and there is no evidence of funding rounds, ownership information, management team disclosures, partnerships, awards, regulatory actions, or geographic expansion beyond the firm's single Tifton, Georgia base.

Name

CREDIT BUREAU ASSOCIATES

Legal name

Credit Bureau Associates

Website

https://accountsrecovery.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Bureau Associates (CBA) is a small, privately held accounts-recovery and credit-services firm in Tifton, Georgia, providing debt-collection services to businesses and individuals on a transaction-fee basis through a direct, website-driven engagement model.

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 Collection Agencies (Consumer) (FSAKAJAB)

Keywords

• Accounts recovery services
• Debt collection services
• Credit services
• Accounts receivable management
• Past due collections

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Collection and Credit Services: CBA provides accounts recovery and credit services to businesses and individuals. Revenue is generated through collection of past due accounts, with the company earning fees or a portion of recovered amounts for their services in collecting debts, enhancing cash flow, and reducing accounts receivables for clients.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Credit Bureau Associates provides collection and credit services to businesses and individuals, specializing in collecting past due accounts, enhancing cash flow, reducing accounts receivables, and improving bottom line profitability. Services are delivered by trained collection experts using a direct engagement model in which clients initiate contact through the company's website.

Product overview

Credit Bureau Associates (CBA) offers a unified collection and credit service platform for businesses and individuals. The company provides collection services for past due accounts, cash flow enhancement, accounts receivable reduction, and overall financial performance improvement through trained collection experts.

Differentiator

Problem solved

Functional benefit

Products and services

• Collection and Credit Services

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Expansion highlights1 record

Direct peers

• IC System: Family-owned third-party debt collection agency with a similar B2B focus on healthcare, retail, and financial services creditors. Closely aligned operating model and client mix to CBA.
• Williams & Fudge: Family-owned third-party collection agency focused on student loan, healthcare, and commercial recoveries. Comparable mission-driven, reputation-focused positioning and SMB client base to CBA.
• National Credit Services: Third-party collection agency serving small businesses and creditors across consumer and commercial portfolios. Comparable services, transaction-fee model, and SMB customer profile to CBA.
• Coast Professional Inc. Contingency-based third-party collection agency serving higher education, government, and commercial creditors. Directly comparable services, similar SMB-and-mid-market positioning, with broader segment coverage.
• Dynamic Recovery Solutions: Third-party debt collection agency providing contingency-based recovery services for commercial and consumer accounts. Comparable operating model and SMB-to-mid-market client focus.
• Transworld Systems: Third-party collection agency offering contingency-based recovery services to small and mid-sized businesses. Comparable customer profile to CBA, with broader technology and service-line investments.
• Convergent Outsourcing: Third-party debt collection agency serving creditors across consumer and commercial segments. Direct competitor to CBA in contingency-based collections, with similar target customers though larger scale.

Broad incumbents

• Encore Capital Group: Publicly traded, multinational debt buyer operating through its Midland Credit Management subsidiary. Directly comparable consumer debt collection and recovery services model, with significantly larger scale and geographic reach.
• Portfolio Recovery Associates (PRA Group): Large publicly traded debt buyer and third-party collection agency. Highly comparable business model (contingency-based consumer debt collection), though far larger and more diversified across geographies and asset classes.
• AFNI (Alorica subsidiary): Major third-party collection agency and BPO firm serving creditors across multiple verticals. Highly comparable core service with substantially larger scale, technology investment, and global footprint.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat1 record

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/credit-bureau-associates

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 BUREAU ASSOCIATES