Pacific Credit Services


Is Pacific Credit Services hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Pacific Credit Services?

Pacific Credit Services is a debt collection agency located in Watsonville, California. They assist creditors in recovering unpaid balances.

You may see them listed on your credit report as a collections account if you have unpaid bills that a creditor has transferred or sold to them.

Who does Pacific Credit Services collect for?

Pacific Credit Services primarily provides debt collection services for the healthcare industry, with a particular focus on medical and dental sectors. They work with hospitals, private medical practices, clinics, and dental offices to recover unpaid bills from patients.

Is Pacific Credit Services legit or a scam?

Pacific Credit Services is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Pacific Credit Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Pacific Credit Services Contact Information


Pacific Credit Services
460 Union Avenue, Ste. C
Fairfield, CA 94533

Mailing address:

Pacific Credit Services
P.O. Box 150
Fairfield, CA 94533

Phone number: (800) 564-6440, (831) 724-6328, or (707) 429-3211

Should I contact or pay Pacific Credit Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Pacific Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Pacific Credit Services on behalf of their clients.

Will Pacific Credit Services sue me or garnish my wages?

Pacific Credit Services does have the legal right to sue a debtor for unpaid debts. If the court issues a judgment against you, the agency might be able to garnish your wages or take other steps to recover the money you owe.

However, it’s important to remember that every situation is unique. Not all agencies will choose to go to court over a debt. The specifics of your situation, such as the size of your debt and your ability to pay, will also factor into what actions the agency decides to take.

Pacific Credit Services Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by a debt collector, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Pacific Credit Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Pacific Credit Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Pacific Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Pacific Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Pacific Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Pacific Credit Services From Your Credit Report Today!

Credit Saint can help you dispute Pacific Credit Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.