If Professional Choice Recovery, Inc. (PCRI) has shown up on your credit report, it usually means a debt you owe has been sent to collections. While this can hurt your credit score, there are clear steps you can take to dispute the account and possibly have it removed.
Who Is Professional Choice Recovery?
Professional Choice Recovery is a debt collection agency based in Lincoln, Nebraska. They recover unpaid debts on behalf of creditors in industries like healthcare, finance, and education.
If you see their name on your credit report, it’s because they’re trying to collect on a debt tied to your name.
What Types of Debt Do They Collect?
Professional Choice Recovery primarily works with:
- Hospitals and medical billing providers
- Financial institutions and credit card companies
- Student loan and tuition-related accounts
They may also collect for other service-based businesses, so the debt could stem from various types of past-due bills.
Is Professional Choice Recovery Legit?
Yes, Professional Choice Recovery is a real and licensed debt collection agency. But even though they’re legitimate, that doesn’t mean the debt is accurate. Collection accounts often contain errors or incomplete data, so always verify before you pay.
How to Remove Professional Choice Recovery From Your Credit Report
Collection accounts can stay on your report for up to seven years—even if you pay them. Here are your best options to remove the account early:
1. Dispute Any Errors
Start by reviewing the details on your credit report. If the balance is wrong, the dates are off, or the account doesn’t belong to you, file a dispute with the credit bureaus. If they confirm it’s inaccurate, they’re required to delete it.
2. Request a Debt Validation
Send a debt validation letter asking PCRI to prove the debt is yours and that they have the legal right to collect it. If they can’t validate it within 30 days, they must stop collecting—and the account should be removed from your credit report.
3. Ask for a Pay-for-Delete
Offer to pay the debt (in full or at a reduced amount) in exchange for Professional Choice Recovery removing the item from your credit report. This isn’t guaranteed, but some agencies will agree. Always get it in writing before sending any payment.
4. Work With a Credit Repair Company
If you don’t want to handle disputes or negotiations yourself, a reputable credit repair company can take over. They’ve helped thousands of people remove accounts from agencies like Professional Choice Recovery.
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 Professional Choice Recovery?
Before contacting PCRI or sending any money, confirm that:
- The debt is valid and belongs to you
- The account is still legally collectible in your state
- The reporting is accurate and up to date
Also, know that making a payment could reset the statute of limitations in some states—giving the agency more time to sue you. Don’t move forward until you know your rights.
Can Professional Choice Recovery Sue or Garnish Wages?
Yes, if they believe the debt is valid, Professional Choice Recovery can sue you. If they win a judgment in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
However, lawsuits are typically a last resort. Most collection agencies will try to negotiate or settle before going through the legal process.
Complaints About Professional Choice Recovery
Like many collection agencies, PCRI has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Attempting to collect debts that weren’t owed
- Harassment or excessive contact
- Refusing to verify debts
- Reporting inaccurate information to credit bureaus
If you’ve experienced any of these issues, you can file a complaint with the CFPB or your state’s attorney general.
Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you the right to:
- Dispute inaccurate items on your credit report
- Request written proof of any debt a collector claims you owe
- Avoid harassment, threats, or abusive behavior
- Be informed in writing that you’re being contacted by a debt collector
- Demand they stop contacting you in writing
Debt collectors who violate these rules can be held legally accountable.
Professional Choice Recovery Contact Information
Address:
Professional Choice Recovery, Inc.
620 N 48th St., Suite 107
Lincoln, NE 68504
Phone:
(402) 476-3535
Need Help Removing Professional Choice Recovery From Your Credit Report?
If collections are weighing you down, you’re not the only one. Credit Saint has experience disputing inaccurate accounts from agencies like Professional Choice Recovery—and they back their service with a 90-day money-back guarantee if they don’t deliver.
Call (855) 281-1510 for a free consultation or visit their website to get started.
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.
