Who Is Climb Credit? Why Are They Calling Me?
Most commonly for dealing with your lender or servicer
Contact Climb Credit
- Address to send a debt validation letter
- Climb Credit, Inc. 701 S Carson St STE 200 Carson City, NV 89701
- Phone
- 1-888-510-0533
- Official website
- https://climbcredit.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Climb Credit is a private lender that finances tuition for coding bootcamps and other vocational training programs, then services and collects on those loans directly. If Climb Credit is contacting you about a past-due balance, it’s worth demanding proof of the debt in writing to confirm the amount before paying anything.
Has Climb Credit been the subject of regulatory action?
Yes. On October 17, 2024, the CFPB sued Climb Credit, its subsidiaries Climb Investco and Climb GS Loan Fund, and its controlling investor 1/0 Holdco, alleging the companies gave borrowers false information about partner schools’ training quality, graduate hiring rates, and salaries — and issued loans for programs that had failed, or were never subjected to, Climb’s own return-on-investment screening. The CFPB also alleged some loans failed to properly disclose APRs and origination fees, in violation of consumer-protection law. If you took out a Climb Credit loan for a bootcamp or vocational program based on job-placement or salary claims that didn’t pan out, that history may be relevant if you’re disputing the loan or exploring your options — see debt validation request.
Questions & Answers
Is Climb Credit a legitimate debt collector?
Climb Credit shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Climb Credit from calling me?
Under the FDCPA, you can send Climb Credit a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Climb Credit?
Send a written debt validation request to Climb Credit's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Climb Credit on my credit report?
If Climb Credit is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team