In 1906 Credit and Financial Services Incorporated was formed as part of a merchant association to help as a collection agency. It used to be a members-only collections agency, until 1987 when they were purchased by Wayne Campbell and the Credit Bureau and Collections Agency and formed the Durham Merchant's Association Charitable Foundation which is listed as a non-profit organization. It is based in Durham North Carolina where the doors stay open today.

They boast of a very friendly and successful collection system. It seems to follow traditional systems, with a few extras. The skip tracing systems seems to be a cross referencing system to help find lost debtors, by cross referencing purchases made my names and dates to track said debtor. They first send letters attempting to make contact with debtor, and then followed up with a phone call. This sets up personal repo ire with thrte client. This allows to the client to feel more at ease with paying off the debt.
Credit and Financial Services Incorporated specializes in medical bill collections, but generally will accept any collection. It is a full service collection agency allowing a business to free up man power to a more redirected focus. If the Debtor chooses to go with the mailed attempts, then the business purchasing the services will receive 100% of the debt collected. All the reviews read at the time of this article, showed a positive feedback for their services.

The Credit and Financial Services Incorporated operates less like an agency and more like an extension of the hospital using the services. They maintain patient contact, giving them a coupon book to remind them to make a payment, and track payments, more like a loan from a bank as opposed to the semi-threatening letters that regular collection agencies use. This makes the patient feel more at ease, as it does not feel like the patient is in collections. Another system they have allows to the patient to make easier payments that those often requested by collection agencies.

It seems that this is a legitimate collection agency that gets results by treating the patient with respect. No sketchy details were found on this business and all reviews seemed positive. This is a company that has been operating for more than 90 years allowing them a certain level of expertise in the subject of collections.