Is Pinnacle Credit Services Hurting Your Credit?

If Pinnacle Credit Services just showed up on your credit report, you’re probably wondering what it means—and what to do next. Here’s what you need to know and how to handle it the smart way.

What Is Pinnacle Credit Services?

Pinnacle Credit Services, LLC is a third-party debt collection agency based in St. Louis Park, Minnesota. If they’re listed on your credit report, it usually means you have an old debt that was sent to collections.

They don’t just collect on behalf of lenders—they actually buy unpaid debts from credit card companies, banks, and even other debt buyers. Once they own the debt, they try to collect it—often through a partner company called Resurgent Capital Services, LP.

Is Pinnacle Credit Services Legit?

Yes, they’re a legitimate debt collector. They’re not a scam. That said, mistakes happen all the time in the debt collection world. Accounts get mixed up. Details get misreported. So if you hear from them, don’t assume everything they say is accurate.

Start by requesting debt validation—you have the right to ask for proof that the debt belongs to you and that the amount is correct. Never make a payment until they’ve sent proper documentation.

Who Do They Collect For?

Pinnacle buys debt from:

• Credit card companies
• Personal loan providers
• Banks and finance companies
• Other debt collectors looking to unload older accounts

Once they’ve purchased the debt, they may assign account management to Resurgent Capital Services, which handles communication and collection efforts.

How to Remove Pinnacle Credit Services From Your Credit Report

A collections account can drag down your credit score for up to seven years, so it’s worth trying to remove it—especially if it’s inaccurate or outdated.

Here are your options:

• Dispute any errors: If the debt isn’t yours or the balance is incorrect, file a dispute with the credit bureaus. If the account can’t be verified, it has to be removed.
• Request debt validation: Send Pinnacle a written request for proof of the debt. If they can’t validate it within 30 days, they’re not allowed to report it to the credit bureaus.
• Negotiate a pay-for-delete: You can try offering to pay part or all of the balance in exchange for having the item deleted from your credit report. Get the agreement in writing before paying.
• Get professional help: Credit repair companies can challenge collection accounts on your behalf. This might be worth considering if you’re dealing with multiple negative marks.

Should You Pay Pinnacle Credit Services?

Only after the debt is verified. If you pay a collection without validation, you might reset the statute of limitations and make things worse. Always double-check that:

• The debt is yours
• The balance is accurate
• The collector is legally allowed to collect in your state

And if you’re going to pay, try to negotiate terms—like a reduced amount or a pay-for-delete deal.

Can They Sue You or Garnish Your Wages?

Yes, they can sue you—but it’s usually a last resort. If Pinnacle takes legal action and wins, they may be able to garnish your wages or place a levy on your bank account, depending on your state’s laws.

If you receive a court summons, don’t ignore it. You have the right to respond and defend yourself.

What If Pinnacle Credit Services Is Harassing You?

If they’re calling nonstop, being rude, or trying to scare you into paying, that’s not allowed. You have rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

Debt collectors must:

• Treat you respectfully—no harassment, threats, or profanity
• Identify themselves and their purpose
• Send written notice of the debt
• Provide validation if you request it
• Accurately report any information to credit bureaus

You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB) if they’re breaking the rules.

Pinnacle Credit Services Contact Information

If you need to reach out to them (or send a debt validation letter), here’s where to start:

Pinnacle Credit Services, LLC
7900 MN-7
St. Louis Park, MN 55426

Phone: (888) 665-0374

A Smarter Way to Handle Collections

Dealing with debt collectors is never easy—especially when you’re trying to rebuild your credit. That’s why many people turn to credit repair professionals who know how to challenge negative marks like collections, charge-offs, and late payments.

Credit Saint is one of the top-rated services in the industry, with years of experience and millions of removals behind them. They’ve helped thousands clean up their credit reports—and they back their work with a 90-day money-back guarantee.

Call (855) 281-1510 or visit their site to learn more.