Is ProCollect hurting your credit score?

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Who is ProCollect?

ProCollect, Inc. (PCI) is a debt collection agency based in Dallas, Texas. They help creditors recoup unpaid debts from consumers.

If you find ProCollect listed on your credit report under collections, this is usually an indication that you have an outstanding debt which has not been settled. The debt could be linked to various circumstances, such as unpaid bills or other types of consumer debt.

Who does ProCollect collect for?

ProCollect focuses on multifamily and student housing debt recovery. They primarily serve property management companies, landlords, and other stakeholders within the real estate industry, particularly those dealing with apartment complexes, student housing facilities, and similar properties.

Is ProCollect legit or a scam?

ProCollect is a legitimate company. They are authorized to collect debts 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 ProCollect 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?

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

Professional credit repair services assist people in getting their credit back on track.

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.

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

ProCollect, Inc. Contact Information


ProCollect, Inc.
12170 N Abrams Rd, Ste 100
Dallas, TX 75243

Phone number: (800) 839-8186

Should I contact or pay ProCollect?

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 Credit reports can contain errors or list debts that are no longer valid.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 ProCollect is to work with a credit repair professional. They help remove millions of negative items every year from companies like ProCollect on behalf of their clients.

Will ProCollect sue me or garnish my wages?

ProCollect does have the legal right to sue for the recovery of unpaid debt. If they decide to sue and succeed in their court case, they may be able to garnish your wages or levy your bank account, depending on the laws in your specific state.

However, it’s important to note that pursuing a lawsuit is typically a last resort because it’s a lengthy and costly process. Before any lawsuit, you will usually receive multiple communications and requests for payment.

ProCollect, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 ProCollect, Inc.

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 ProCollect 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.
  • ProCollect cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • ProCollect 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.
  • ProCollect cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove ProCollect From Your Credit Report Today!

Credit Saint can help you dispute ProCollect 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.