How to Remove Plaza Services From Your Credit Report

Updated

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If Plaza Services has appeared on your credit report, it likely means a debt has been sold to collections. Collection accounts can hurt your credit score and stay on your report for up to seven years if not addressed.

Here’s how Plaza Services operates and what you can do to remove their collection account from your credit report.

Who Is Plaza Services?

Plaza Services, LLC is a debt collection agency based in Atlanta, Georgia. They operate as a debt buyer, meaning they purchase unpaid debts from other companies and then attempt to collect the money themselves.

If Plaza Services shows up on your credit report, it means they bought your account and now own the debt.

Who Does Plaza Services Collect For?

Plaza Services purchases a wide range of debt, including:

  • Auto loan deficiencies
  • Credit card accounts
  • Consumer loans
  • Commercial loans

Once they buy these accounts, they work to collect the full amount owed.

Is Plaza Services Legitimate?

Yes, Plaza Services is a real debt collection agency. They are authorized to collect debts they’ve purchased. Even so, always verify the details of any collection account before agreeing to pay, as errors in the debt collection process are common.

How to Remove Plaza Services From Your Credit Report

A collection account from Plaza Services can damage your credit, but there are ways to handle it:

  • Dispute Inaccuracies: Review your credit report for errors. If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
  • Request Debt Validation: You have the right to ask Plaza Services to prove the debt is yours and the amount is accurate. They must provide written verification if you request it.
  • Negotiate a Pay-for-Delete: If the debt is valid, you can try to negotiate a pay-for-delete agreement. This means offering payment in exchange for the collection being removed from your credit report. Always get the agreement in writing.
  • Work With a Credit Repair Service: Many people choose to work with professionals who specialize in removing collections and other negative marks from credit reports.

Ready to Clean Up Your Credit Report?

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

Should You Contact or Pay Plaza Services?

Before contacting Plaza Services, confirm the debt is legitimate and reported accurately. Sometimes debts are outdated, incorrect, or beyond the statute of limitations.

Also, making a payment can restart the clock on how long the debt affects your credit, so be cautious.

For many people, working with a credit repair company is the easiest way to manage collections and protect their credit.

Can Plaza Services Sue You or Garnish Your Wages?

Plaza Services has the legal right to sue over unpaid debts. If they take you to court and win, they could get a judgment that allows wage garnishment or other collection actions, depending on your state’s laws.

That said, lawsuits are costly and time-consuming, so many collection agencies prefer to settle accounts before going to court.

Plaza Services Contact Information

Here’s how to reach Plaza Services:

Address:
Plaza Services, LLC
110 Hammond Drive, Suite 110
Atlanta, GA 30328

Phone: (877) 475-1103

Complaints About Plaza Services

Like many debt buyers, Plaza Services has received complaints through the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). The most common complaints include:

  • Incorrect information on credit reports
  • Failure to verify debts
  • Harassment or aggressive collection tactics

If your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Plaza Services

You have strong consumer protections under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Plaza Services cannot:

  • Report false or incomplete information on your credit report
  • Harass you with excessive calls, threats, or abusive language
  • Misrepresent their identity or the reason for contacting you
  • Threaten you with arrest for unpaid debts

You also have the right to request written proof of the debt. Plaza Services must provide verification within 30 days of your request.

Get Help Removing Plaza Services From Your Credit Report

If dealing with Plaza Services feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.

To learn more, visit their website or call (855) 281-1510.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.