How to Remove Pacific Credit Services From Your Credit Report

Is Pacific Credit Services hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable negative information from their credit reports.

Who is Pacific Credit Services?

Pacific Credit Services is a debt collection agency located in Watsonville, California.

You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Pacific Credit Services collect for?

Pacific Credit Services specializes in medical and dental debt collection.

Is Pacific Credit Services legit or a scam?

Pacific Credit Services is a legitimate debt collection agency. However, they may repeatedly spam call, text, or email you.

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

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, Lexington Law can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Pacific Credit Services Contact Information

Address:

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?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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.

And they may be able to help you too.

Will Pacific Credit Services sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Pacific Credit Services again.

Call Lexington Law to learn how they can help you.

Is Pacific Credit Services hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.

Pacific Credit Services Complaints

Most collection agencies have numerous complaints filed against them 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). Lexington Law knows that you have rights, and Pacific Credit Services does too.

Your Rights When Dealing with Pacific Credit Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

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

Remove Pacific Credit Services From Your Credit Report Today!

Lexington Law can assist you in disputing Pacific Credit Services collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.