BBB Business Review

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BBB Accredited Business since

Credit Systems International, Inc.

Phone: (817) 496-6800 Fax: (817) 429-9696 View Additional Phone Numbers PO Box 1088, Arlington, TX 76004 View Additional Email Addresses

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Credit Systems International, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Credit Systems International, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 70 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

70 complaints closed with BBB in last 3 years | 17 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 61
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 9
Total Closed Complaints 70

Additional Complaint Information

Credit Systems International, Inc. (CSII) would like to provide all consumers with the following information. Please reach out to Credit Systems International, Inc.’s Quality Control Department prior to filing a formal complaint. At CSII, we are consumer centric and have a Compliance Coordinator to assist you by calling toll free 800-994-0578. 

WITH REGARD TO ELECTRONIC COMMUNICATIONS: In an effort to communicate with the BBB regarding your experience with CSII, you will utilize the BBB’s automated complaint system. By utilizing this automated system, you authorize CSII to respond and communicate with regard to your personal and financial information via electronic communications to the BBB. Should you wish CSII to not communicate electronically with the BBB regarding your personal and financial information, please contact our office at 800-994-0578 or via US Postal Service at CSII, P O Box 1088, Arlington, TX 76004. 

According to BBB files, complaints brought to the firms attention by the BBB concern Credit & Billing Disputes. Specifically, complainants allege the business has failed to provide consumer documentation of alleged debts, false information applied to consumer credit reports, and collecting on debts already paid.

The company has responded to all complaints presented by the BBB and have applied adjustments where applicable.  All complaints have been resolved.

The BBB and the business met June 2013 to discuss the pattern of BBB customer complaints. The business provided the BBB a history overview of the business, business structure, their analyst of consumer complaints, and their complaint handling process in accordance with all regulatory agency laws and State Laws. 

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Credit Systems International, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 01, 1984 Business started: 01/01/1980 in TX Business incorporated: 06/26/1992 in TX
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Public Utilities Commission - 888-782-8477

The number is 140047.

Type of Entity


Business Management
Ms. Laura Emmons-Beam, Operations Ms. Darlene Mead, CEO Mr. Andy Wullaert, Vice President of Recovery
Contact Information
Principal: Ms. Laura Emmons-Beam, Operations
Principal: Ms. Darlene Mead, CEO
Customer Contact: Mr. Andy Wullaert, Vice President of Recovery
Business Category


Alternate Business Names
C S I C S I I Corporate Advertising, Inc. Credit Systems Intl, Inc. CSII

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.