Credit Control, LLC


For more than 20 years, Credit Control, LLC has been providing custom, performance-driven receivables management and collection services to organizations nationwide. Our business focus has remained on providing a high level of customer service, and exceptional recovery rates, through the use of state of the art technology and highly trained agents. 

Credit Control understands that data security and compliance are of paramount importance to credit unions. To ensure that credit union data is protected, we have completed the rigorous processes to be become PCI Level 2 compliant, ISO 27001 certified, and SOC 1 certified. We also have taken the additional security measure of implementing data encryption at rest for all of our data and have implemented comprehensive company-wide compliance measures. All calls are recorded where allowed by law and collectors are monitored for compliance with all state and federal regulations.

We strive to be “easy to do business with.” Our implementation process is seamless and efficient and we assign a single point of contact to ensure that our solutions can be implemented with minimal burden on credit union staff. Credit Control’s professional client service specialists are highly responsive in handling all client requests in a timely manner. 

Products and Services 

We consult with our clients to create a customized recovery process that meets the needs of our clients while maximizing our recovery expertise. We have both pre-collect and post charge off recovery solutions for all of the following asset classes: 

  • Junior and senior liens
  • Low value first lien charge-offs
  • Senior lien deficiencies
  • Credit Card
  • DDA
  • Auto
  • Student loans
  • Signature loans
  • Lines of credit  

Included in these recovery solutions are the following services: 

  • Skip tracing
  • Scoring and segmentation
  • Payment monitoring and letter series
  • Credit reporting 
  • Legal services  


NAFCU members receive preferential pricing that will not be offered to non-NAFCU members. This pricing is guaranteed for the life of the contract regardless of the volume and balance of accounts placed for recovery. Additionally, Credit Control will share its best practices in the areas of recovery strategy, collections, compliance, and technology with its clients. Credit Control staff are available to do onsite audits and make recommendations on how credit unions can improve their recovery strategies and collection programs.


Headquartered just outside of St Louis, Missouri, Credit Control has five call centers strategically located around the country to provide our clients with a strong nationwide reach. We serve more than 450 clients in financial services, government, commercial, healthcare, education, and utilities industries. Credit Control is a certified Minority Business Enterprise. For more information, visit our website at 

Educational Resources

  •  Best Practices for Outsourcing Receivables (Podcast and Presentation)
    Contrary to common misconceptions, you can maintain a high level of member service and control while outsourcing receivables. In this presentation from the 2013 NAFCU annual Conference, Marney MacFadyen shares the benefits of outsourcing your receivables and tips on getting started.
  •  Case Study: Tinker FCU and Outsourcing Receivables (Recorded Webinar)

    Outsourcing receivables is a common practice among banks and many other industries, but relatively new to credit unions. Find out how Oklahoma City-based Tinker FCU ($2.9B assets) overcame internal obstacles and implemented a successful program.

  •  Increasing Collections Efficiency as a Source of Income (Podcast)
    Debt collection is a sensitive topic for credit unions. It’s not unusual for “good” members to have occasional past due accounts. In fact, those slow pays can generate additional income from interest and late payment fees. The challenge is in finding and maintaining a balance between good member service and minimizing risk.
  •  Credit Union Industry Experts: What's in Store for 2013 (Blog Post)
    For our year-end blog post I asked our Preferred Partners to tell us what they see coming over the horizon, from their perspective, that credit union executives need to be focused on and/or prepared for as we head into 2013. Looking back a year, I see some common themes—revenue issues, economic uncertainty, regulatory uncertainty, and political uncertainty. Read more of this NAFCU Services Blog post.

View All Educational Resources



Marney MacFadyen