Penn Credit Corporation

Is Penn Credit Corporation hurting your credit score?

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

Who is Penn Credit Corporation?

Penn Credit Corporation (PCC) is a third-party debt collection agency located in Harrisburg, Pennsylvania. They also have an extended business office division called Penn Billing. The company specializes in collecting a wide range of debts on behalf of various businesses, agencies, and organizations.

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

Who does Penn Credit collect for?

Penn Credit provides debt recovery services for a diverse range of entities. They collect outstanding debts related to local government fines such as parking tickets and traffic citations, as well as unpaid taxes and court fees.

In the utilities sector, they work with companies to recover charges for water, sewer, and waste management services. Their role extends to the healthcare industry too, managing receivables from hospital bills, nursing facilities, and emergency services. Additionally, they provide services to education lenders, collecting on overdue student loan debt​.

Is Penn Credit legit or a scam?

Penn Credit is a legitimate company. However, due to the nature of their work, some individuals may feel harassed or overwhelmed by the company’s persistent communication methods.

How can I remove Penn Credit Corp from my credit report?

Penn Credit Corp 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Penn Credit Corporation Contact Information


Penn Credit Corporation
2800 Commerce Drive
Harrisburg, PA 17110

Phone number: (800) 800-3328

Should I contact or pay Penn Credit Corporation?

It’s best to avoid speaking to a collection agency 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 Penn Credit Corporation is to work with a credit repair professional. They help remove millions of negative items every year from companies like Penn Credit Corporation on behalf of their clients.

Will Penn Credit Corporation sue me or garnish my wages?

As a debt collection agency, Penn Credit Corporation does have the right to sue you for the unpaid debt. If the company wins the lawsuit, they could potentially obtain a judgment from the court that allows them to garnish your wages or levy your bank account.

However, the specific laws regarding wage garnishment vary from state to state, and some states do not allow wage garnishment for certain types of debt.

Penn Credit Corporation 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Penn Credit Corporation

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 Penn Credit Corporation 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Penn Credit Corporation may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Penn Credit Corp 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.
  • Penn Credit Corp cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Penn Credit From Your Credit Report Today!

Credit Saint can assist you in disputing Penn Credit collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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