If you don't see your question here, please contact us for assistance by calling (585) 321-2600.

Q.  Can you tell me about Clearwater Credit Company?
A. CCC was established to make sure an offering of vehicle financing is always available in our marketplace for consumers with limited choices to finance a vehicle.  Through our dealer partners, CCC is an option to finance an automobile along with all the other choices a dealership has to offer.  CCC has been in business since 2005, and we are pleased that we have been able to connect thousands of customers with transportation to meet their needs.

Q. How do I make a payment to Clearwater Credit Company?
A. We accept different methods of payments. You can choose the one that works best for you. Some of the payment choices have a cost associated with them, some do not. See the Payment Options page for the types of payments we accept. For quick payment processing, please have your account number ready when you call or pay online.

Q. Can I get a history of my payments?
A. Yes, simply contact us with your request and we will send you your payment history. You can reach us at (585) 321-2600.

Q. How can I get a payoff on my account?
A. Contact us at (585) 321-2600 and we will provide you with your payoff amount.

Q. What do I do if my car has been in an accident?
A. If your vehicle has been in an accident, follow the instructions provided by your insurance company. After you have contacted them, contact us for assistance with your Clearwater Credit Company account.

Q. What do I do if I have changed my address?
A. Contact us with your change of address and any other updated account information.

Q. Will my Clearwater Credit Company account give me good credit?
A. Timely payment on your account earns you positive car credit with us. We do report your history with us to the credit bureau (Experian and Equifax).

Q. What are the keys to success with the Clearwater Credit Company program?
A. There are three keys to success with our program to assist you with positive car credit with us: timely payments, updated account information and consistent communication. We are here to help and we are always willing to listen and work with you when needed.

Q.  What do I do if I have a question about how my credit history with Clearwater is being reported to the credit bureau?
A. CCC recognizes your credit history is very important. You may contact the Credit Reporting Agency directly to file a dispute, or send your written concerns to us at:
      Clearwater Credit Company 
      PO Box 378
      W. Henrietta, NY  14586

Your review process can be expedited by providing a phone number and current address so that we can reach you if there are additional questions.


Clearwater Credit Company

PO Box 22960
Directions Rochester, NY 14692

  • CUSTOMER SUPPORT: (585) 321-2600
  • Fax: (866) 707-3514


  • Monday 9:00AM-5:00PM
  • Tuesday 9:00AM-5:00PM
  • Wednesday 9:00AM-5:00PM
  • Thursday 9:00AM-5:00PM
  • Friday 9:00AM-5:00PM
  • Saturday Closed
  • Sunday Closed