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CBQ Services
, Quincy, IL (217) 222-1500
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Address 510 Maine Street Quincy, IL 62301 Business Services Collection Services, Identity Theft Shield, Pre-Paid Theft Shield, Credit Monitoring
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Business Type: CBQ Services, formerly Credit Bureau of Quincy, Inc., is a locally owned and operated corporation specializing in credit and collections. In business since 1921, CBQ Services is conveniently located in the historic WCU Building at 510 Maine Street, Suite 400 in uptown Quincy, Illinois.
For You Personally
Identity Theft Shield. Credit Monitoring of all three credit reporting agencies with email alerts and restoration services. If you become an identity theft victim while enrolled in Identity Theft Shield, professionals work for you to resolve that problem.
Pre-Paid Legal Services. As a Pre-Paid Legal member, legal assistance and peace of mind are just a phone call away. You’ll have your Provider Law Firm’s toll-free consultation number on the back of your membership card – and with it comes peace of mind you can carry with you wherever you go.
CBQServices.com. CBQ Services’ “For You Personally” section, contains a wealth of information and resources about credit reports, collection agencies, identity theft, credit monitoring and other financial subjects.
For Your Business
Collection Services. Create your very own economic stimulus program by getting those old delinquent accounts off your books. Place those accounts with our professional and ethical staff. You pay only a small percentage of what we actually collect. If we don’t collect, we don’t get paid!
Credit Information. Since the late 1970’s, CBQ Services has been affiliated with Trans Union. Credit Unions, banks, landlords, employers and small business owners rely on CBQ Services to provide Trans Union information on applicants. You get web-based access, credit scores, skip-tracing tools, OFAC reports and more.
Confidentiality & Compliance Seminars. Many businesses are required to provide continuing education and be compliant with mandates like FACT Act Red Flags, HIPAA, GLB and others. CBQ President J. Michael Hitt has earned the designation of Certified Identity Theft Risk Management Specialist and is prepared to assist you with your compliance needs.
Question How do I get my free once-a-year credit report Answer Log on at annualcreditreport.com. If you prefer, you may call toll free 1-877-322-8228 or write to:
Annual Credit Report Request Service
Post Office Box 105281
Atlanta, GA. 30348-5281 Question Why can't I get credit? Answer Nobody knows but the people you’re making applications to. If you don’t know what’s on your credit file, you should. That is the place to start.
Question I paid that account (or collection, or judgment). Why is it still on my credit report? Answer Because if paid items were removed, you and your creditors would have no record of how you paid. A credit report includes how you have paid in the past, not only who you owe today.
Question How do I improve my credit score? Answer There are many answers to this question. Perhaps the best answer would be for you to go to any number of web sites that sell that information. We recommend myfico.com. That site is operated by Fair, Isaac Company who is an industry leader in scoring products.
Question My wallet was stolen along with my credit cards and social security card. What now? Answer Here’s yet another good reason to conduct all your business with local creditors. How much easier would it be to walk into your local, hometown bank (or finance company or credit union) than to make numerous long distant phone calls to the stranger (three states over) who handles your MasterCard and Visa?
This is going to take some time, effort and patience on your part. Here’s what we recommend.
1. Contact Trans Union, Equifax and Experian (the big three credit reporting agencies) and ask to put a “consumer statement” on your credit file. We believe you can reach them at their fraud centers and those numbers are:
Trans Union 1-800-680-7289
Equifax 1-800-525-6285
Experian 1-888-397-3742
At this same time, tell the credit reporting agencies that you may become a victim or fraud and why.
2. Contact your local Secretary of State about the drivers’ license, your local Social Security office and all the credit card companies.
3. Report it to the police.
4. Monitor your credit situation by contacting the credit reporting agencies on a regular basis. This way you can see if someone you have not made an application with has inquired on your credit report or if a lender unfamiliar to you is reporting an account you did not open.
Question he collection agency keeps calling. What should I do? Answer First of all you should have called your creditor before the account was sent to a collection agency. Since it is too late to worry about that now, for goodness sake, call the collection agency immediately. No collection agency can force you to have the money to pay, no matter how badly they want to collect the debt. Most collection agencies also know that being rude, offensive or harassing may be illegal and certainly will do nothing to win your cooperation. Call them and ask if you can work something out. You might be surprised.
Question Why did my creditor (doctor, hospital, etc.) turn my bill over to you? Answer Because it was past due. That is generally the only answer we have from your creditor. If you think it was a mistake or that you have already paid it or that there are some other factors involved, you need to call the collection agency immediately and state your case.
Question Can a collection agency garnish my wages? Answer In many circumstances; yes. Of course, you first have to prove that you are uncooperative and/or unwilling to assist in getting the account resolved. Then the creditor must authorize filing of a small claims complaint, the case must be won against you and assets located to garnish or attach.
Question I put my home number on the national “do not call” list. Why are you calling? Answer Collection agencies are not required to follow that list. Collection agencies are not telemarketers; they represent your creditors.
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