The Oregon Credit and Collections Bureau (OCCB) is a non-profit organization that provides credit reporting and collection services to businesses and consumers in Oregon. OCCB was founded in 1911 and is headquartered in Portland, Oregon. The bureau is a member of the National Association of Credit Management (NACM) and the Associated Credit Bureaus of America (ACBA).
OCCB offers a variety of credit reporting and collection services, including:
oregon credit and collections bureau
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The Oregon Credit and Collections Bureau (OCCB) is a non-profit organization that provides credit reporting and collection services to businesses and consumers in Oregon.
- Founded in 1911
- Headquartered in Portland, Oregon
- Member of NACM and ACBA
- Offers a variety of credit reporting and collection services
OCCB is a valuable resource for businesses and consumers alike. The bureau’s credit reporting services can help businesses make informed lending decisions and consumers track their credit history. OCCB’s collection services can help businesses recover unpaid debts and consumers resolve their delinquent accounts.
Founded in 1911
The Oregon Credit and Collections Bureau (OCCB) was founded in 1911 by a group of Portland businessmen who recognized the need for a centralized credit reporting system in Oregon. The bureau’s original mission was to provide credit information to businesses so that they could make informed lending decisions.
In the early years, OCCB collected credit information from a variety of sources, including courthouses, banks, and retail stores. The bureau then compiled this information into credit reports that were sold to businesses. OCCB’s credit reports quickly became an essential tool for businesses in Oregon, helping them to reduce their risk of lending to bad credit risks.
Over the years, OCCB has expanded its services to include a variety of credit reporting and collection services. However, the bureau’s core mission remains the same: to provide accurate and timely credit information to businesses and consumers in Oregon.
Today, OCCB is one of the largest and most respected credit bureaus in the United States. The bureau’s credit reports are used by businesses of all sizes, from small businesses to large corporations. OCCB also provides a variety of consumer credit services, including credit monitoring, credit repair, and identity theft protection.
OCCB is a vital part of the Oregon economy. The bureau’s credit reporting and collection services help businesses make informed lending decisions and consumers track their credit history. OCCB also provides a variety of educational resources to help consumers understand their credit and improve their financial literacy.
Headquartered in Portland, Oregon
The Oregon Credit and Collections Bureau (OCCB) is headquartered in Portland, Oregon. Portland is the largest city in Oregon and is a major center for business and commerce. OCCB’s headquarters is located in the heart of downtown Portland, close to many of the city’s major businesses and financial institutions.
OCCB’s Portland headquarters is a modern, state-of-the-art facility that houses the bureau’s staff of over 100 employees. The building is equipped with the latest technology, which allows OCCB to provide fast and efficient credit reporting and collection services to its customers.
OCCB’s Portland headquarters is also home to the bureau’s customer service center. OCCB’s customer service representatives are available to answer questions and provide assistance to businesses and consumers.
OCCB’s Portland headquarters is a convenient location for businesses and consumers in Oregon. The bureau’s proximity to major businesses and financial institutions makes it easy for businesses to obtain credit reports and collection services. Consumers can also easily visit OCCB’s headquarters to obtain their credit reports and other services.
OCCB’s Portland headquarters is a vital part of the Oregon economy. The bureau’s credit reporting and collection services help businesses make informed lending decisions and consumers track their credit history. OCCB also provides a variety of educational resources to help consumers understand their credit and improve their financial literacy.
Member of NACM and ACBA
The Oregon Credit and Collections Bureau (OCCB) is a member of the National Association of Credit Management (NACM) and the Associated Credit Bureaus of America (ACBA). NACM and ACBA are the two leading trade associations for the credit and collection industry.
NACM is a global trade association that represents over 30,000 businesses and individuals in the credit and collection industry. NACM provides its members with a variety of resources and services, including education, training, and networking opportunities.
ACBA is a national trade association that represents over 1,000 credit bureaus and collection agencies in the United States. ACBA provides its members with a variety of resources and services, including advocacy, education, and networking opportunities.
OCCB’s membership in NACM and ACBA demonstrates the bureau’s commitment to professionalism and ethical business practices. OCCB adheres to the NACM and ACBA codes of ethics, which ensure that the bureau’s credit reporting and collection services are conducted in a fair and impartial manner.
OCCB’s membership in NACM and ACBA also gives the bureau access to a network of resources and expertise. OCCB’s staff can tap into this network to stay up-to-date on the latest industry trends and best practices. OCCB also benefits from the advocacy efforts of NACM and ACBA, which work to protect the interests of the credit and collection industry.
Offers a variety of credit reporting and collection services
The Oregon Credit and Collections Bureau (OCCB) offers a variety of credit reporting and collection services to businesses and consumers in Oregon. OCCB’s credit reporting services include:
- Credit reports: OCCB provides businesses with credit reports on consumers and businesses. These reports include information such as the consumer’s or business’s credit history, payment history, and current debt obligations.
- Credit scores: OCCB also provides businesses with credit scores for consumers and businesses. Credit scores are a numerical representation of a consumer’s or business’s credit risk. Lenders use credit scores to make decisions about whether to approve a loan application and what interest rate to charge.
- Credit monitoring: OCCB offers a credit monitoring service that allows consumers to track their credit reports and credit scores. This service can help consumers identify errors on their credit reports and protect their identity from fraud.
OCCB’s collection services include:
- Debt collection: OCCB provides debt collection services to businesses that are owed money by consumers or businesses. OCCB’s debt collection services include sending demand letters, making phone calls, and filing lawsuits.
- Skip tracing: OCCB can help businesses locate debtors who have skipped town or are otherwise difficult to find.
- Asset recovery: OCCB can help businesses recover assets from debtors who have filed for bankruptcy or are otherwise unable to pay their debts.
OCCB’s credit reporting and collection services are an essential tool for businesses in Oregon. OCCB’s services help businesses make informed lending decisions, reduce their risk of bad debt, and collect outstanding debts.
FAQ
The following are some frequently asked questions about the Oregon Credit and Collections Bureau (OCCB):
Question 1: What is OCCB?
OCCB is a non-profit organization that provides credit reporting and collection services to businesses and consumers in Oregon.
Question 2: What services does OCCB offer?
OCCB offers a variety of credit reporting and collection services, including credit reports, credit scores, credit monitoring, debt collection, skip tracing, and asset recovery.
Question 3: Who can use OCCB’s services?
OCCB’s services are available to businesses and consumers in Oregon.
Question 4: How much do OCCB’s services cost?
OCCB’s fees vary depending on the service being requested. Please contact OCCB for more information.
Question 5: How can I contact OCCB?
OCCB can be contacted by phone at (503) 222-1234 or by email at [email protected].
Question 6: What are OCCB’s hours of operation?
OCCB’s hours of operation are Monday through Friday, 8:00 AM to 5:00 PM.
Question 7: Is OCCB accredited?
Yes, OCCB is accredited by the National Association of Credit Management (NACM) and the Associated Credit Bureaus of America (ACBA).
If you have any other questions about OCCB or its services, please do not hesitate to contact us.
In addition to our FAQ section, we have also compiled a list of tips to help you improve your credit and manage your debt.
Tips
Here are a few tips to help you improve your credit and manage your debt:
Tip 1: Get a copy of your credit report. You can get a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once per year at annualcreditreport.com. Review your credit report carefully for any errors or inaccurate information. If you find any errors, dispute them with the credit bureau.
Tip 2: Pay your bills on time. Payment history is one of the most important factors in your credit score. Even one missed payment can have a negative impact on your score. Set up automatic payments or reminders to help you stay on top of your bills.
Tip 3: Keep your credit utilization low. Credit utilization is the amount of credit you are using compared to your total credit limit. Using too much of your available credit can lower your credit score. Aim to keep your credit utilization below 30%.
Tip 4: Don’t open too many new credit accounts in a short period of time. Applying for too much credit in a short period of time can be a red flag to lenders and can lower your credit score. Only apply for new credit when you need it and space out your applications over time.
By following these tips, you can improve your credit and manage your debt more effectively.
For more information about credit and debt management, please visit the OCCB website at occb.org.
Conclusion
The Oregon Credit and Collections Bureau (OCCB) is a valuable resource for businesses and consumers in Oregon. OCCB’s credit reporting and collection services help businesses make informed lending decisions, reduce their risk of bad debt, and collect outstanding debts. OCCB also provides a variety of educational resources to help consumers understand their credit and improve their financial literacy.
OCCB is committed to providing accurate, timely, and fair credit reporting and collection services. OCCB is accredited by the National Association of Credit Management (NACM) and the Associated Credit Bureaus of America (ACBA), which demonstrates the bureau’s commitment to ethical business practices.
If you are a business or consumer in Oregon, OCCB can help you with your credit reporting and collection needs. OCCB’s experienced staff is available to answer your questions and provide you with the information you need to make informed decisions about your credit.