Skip to content
SuperMoney logo
SuperMoney logo

How to Remove Joseph, Mann and Creed from Your Credit Report

Last updated 06/28/2024 by

Silas Bamigbola

Edited by

Fact checked by

Joseph, Mann & Creed is a debt collection agency that may report collection accounts on your credit report. Understanding how they operate, your rights, and how to manage these accounts is crucial. This article provides comprehensive insights into who they collect for, their impact on your credit score, and various strategies to deal with their collections.
Joseph, Mann & Creed is a prominent name in the debt collection industry, known for their rigorous tactics in recovering debts. If you’ve seen their name pop up on your credit report, you might be wondering who they are and how to handle their collections. This article dives deep into understanding Joseph, Mann & Creed, their impact on your credit score, and how to effectively manage or remove their entries from your report.

Get Competing Personal Loan Offers In Minutes

Compare rates from multiple vetted lenders. Discover your lowest eligible rate.
Get Personalized Rates
It's quick, free and won’t hurt your credit score

Who Joseph, Mann & Creed is

Joseph, Mann & Creed is a debt collection agency that buys debts from original creditors, such as credit card companies, loan institutions, and other financial entities. They often purchase these debts at a fraction of their original value, sometimes paying just a few cents on the dollar. This business model allows them to make a profit even if they collect only a portion of the debt owed. Established in January 2001, they are headquartered in Twinsburg, Ohio.

How Joseph, Mann & Creed affect your credit score

Any negative mark, including a collections account from Joseph, Mann & Creed, can significantly impact your credit score. Collections accounts indicate that you have defaulted on a debt, making you a higher risk to lenders. This can affect your ability to obtain new credit, loans, or even secure favorable interest rates.

How to deal with Joseph, Mann & Creed

Communicating with Joseph, Mann & Creed

Joseph, Mann & Creed may contact you via mail or phone. It’s essential to handle these communications carefully. Here are some steps to take:
  1. Verify the debt: Always request validation of the debt. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask for detailed information about the debt they are trying to collect.
  2. Dispute inaccuracies: If there are any discrepancies or errors, dispute them with the credit bureaus. Provide any evidence you have to support your claim.
  3. Negotiate settlements: If the debt is valid, you might consider negotiating a settlement. However, be cautious as settling a debt may still leave a negative mark on your report.

Request all correspondence in writing

To ensure a documented record of communications with Joseph, Mann & Creed, it is essential to request all correspondence in writing. This provides you with a paper trail that can be used for reference or evidence if needed. Contact Joseph, Mann & Creed at the following address:
Joseph, Mann & Creed contact information
8948 Canyon Falls Blvd. Suite 200, Twinsburg, Ohio 44087
(216) 831-5626

Pro Tip

Consider negotiating a “pay-for-delete” agreement. This is where the collection agency agrees to remove the collection entry from your credit report in exchange for payment. Get this agreement in writing before making any payments.

Your rights under the FDCPA and FCRA

The FDCPA and the Fair Credit Reporting Act (FCRA) provide consumers with significant protections. These laws require debt collectors to treat you fairly and prohibit certain methods of collection. For example, they cannot call you at unreasonable hours, use abusive language, or threaten legal actions they cannot take.

How to file a complaint against Joseph, Mann & Creed

If you believe that Joseph, Mann & Creed has violated your rights or engaged in unfair debt collection practices, you can file a complaint against them. Here are the steps you can take:
  1. Contact the Consumer Financial Protection Bureau (CFPB): The CFPB handles complaints against debt collectors and can investigate your claims. Visit their website at
  2. Report to the Federal Trade Commission (FTC): The FTC enforces the Fair Debt Collection Practices Act (FDCPA). You can file a complaint on their website at
  3. Contact your State Attorney General’s office: Your state attorney general’s office can also take action against debt collectors who violate state laws. Find your state attorney general’s contact information at

Understanding your rights under the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) provides consumers with protections against abusive debt collection practices. Knowing your rights can help you stand up to unfair treatment. Key provisions of the FDCPA include:
  • Debt collectors cannot contact you at inconvenient times or places.
  • You have the right to request debt verification within 30 days of first contact.
  • Debt collectors must cease communication if you send a written request to stop.

Steps to take if Joseph, Mann & Creed violates your rights

If you believe that Joseph, Mann & Creed has violated your rights under the FDCPA, here are some steps you can take:
  1. Document the violation: Keep a detailed record of any incidents, including dates, times, and the nature of the violation.
  2. Submit a complaint: File a complaint with the CFPB, FTC, or your state attorney general’s office.
  3. Consider legal action: Consult with a consumer rights attorney to explore your legal options.

Tips for dealing with debt collectors

Dealing with debt collectors can be stressful. Here are some tips to manage interactions effectively:
  • Stay calm and polite: Maintain a calm and respectful tone during all interactions.
  • Keep records: Document all communications and keep copies of any correspondence.
  • Know your rights: Familiarize yourself with the FDCPA and your state’s debt collection laws.
  • Seek professional help: Consider working with a credit counseling or debt settlement service if you need assistance.


Dealing with a debt collection agency like Joseph, Mann & Creed can be challenging and stressful. However, understanding your rights and the appropriate steps to take can help you manage this situation effectively. It’s crucial to stay informed about the impact of collections on your credit score and the options available to dispute inaccuracies or negotiate settlements. Remember to communicate clearly and keep all correspondence in writing to maintain a record of your interactions.

Frequently asked questions

Does Joseph, Mann & Creed hurt my credit score?

Yes, any derogatory mark, including a collection account, can severely impact your credit score. The best way to mitigate this is to handle any debts promptly and dispute any inaccuracies.

Should I negotiate a settlement with Joseph, Mann & Creed?

Negotiating a settlement can be a viable option. However, it’s essential to weigh the pros and cons. Settling the debt for less than the full amount owed can still affect your credit score, though it might be less damaging than leaving it unpaid.

Is Joseph, Mann & Creed a debt collection agency?

Yes, Joseph, Mann & Creed is a debt collection agency. They buy debt from various creditors who have given up on trying to collect the amount themselves, often referred to as “charge-offs.”

Why does Joseph, Mann & Creed keep calling me?

Joseph, Mann & Creed continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed.

Will Joseph, Mann & Creed try suing or garnishing my wages?

It’s very unlikely that Joseph, Mann & Creed decides to sue. In rare cases it may happen, but it is not the norm. State and federal laws have limits or ‘exemptions’ that apply to bank and wage garnishments. We strongly recommend giving us a call to determine the likelihood of a lawsuit, but also steps you can take to get this collection removed.

Does Joseph, Mann & Creed accept a goodwill letter to remove my collection/charge-off?

Joseph, Mann & Creed does not accept goodwill letters to remove collection accounts or charge-offs in our experience, and this is typical. Most collection agencies do not.

Who does Joseph, Mann & Creed collect for?

Joseph, Mann & Creed collects for a variety of lending companies (called creditors). These are constantly changing, and typically collection agencies, including Joseph, Mann & Creed, do not share publicly who they buy from.

What are my rights when dealing with Joseph, Mann & Creed?

You have the right to dispute any debt of yours that Joseph, Mann & Creed is trying to collect. Joseph, Mann & Creed is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to you if you know how to use it.

Key takeaways

  • Joseph, Mann & Creed is a legitimate debt collection agency that can significantly impact your credit score.
  • Disputing inaccuracies on your credit report can help remove negative marks associated with Joseph, Mann & Creed.
  • Understanding your rights under the FDCPA and FCRA can protect you from unfair debt collection practices.
  • Negotiating settlements and pay-for-delete agreements can be effective strategies, but they come with risks.

SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more

Loading results ...

Share this post:

You might also like