Professional Credit Service

Who is Professional Credit Service?

Professional Credit Service (PCS) is a debt collection agency based in Vancouver, Washington. They work on behalf of companies and institutions to recover debts owed by individuals.

If PCS appears on your credit report, it typically signifies an unpaid debt that the agency is attempting to collect. This could be the result of an unpaid bill or any other outstanding financial obligation.

Who does Professional Credit Service collect for?

Professional Credit Service offers debt collection services for a wide range of industries. They work with commercial businesses, courts, financial service providers, government entities, healthcare institutions, retailers, telecommunication companies, transportation firms, and utility companies.

Is Professional Credit Service legit or a scam?

Professional Credit Service 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 Professional Credit Service 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.)

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.

Professional Credit Service Contact Information

Address:

Professional Credit Service
12204 SE Mill Plain Blvd Ste 101
Vancouver, WA 98684

Phone numbers:

Hospitals / Clinics: (800) 215-0575
Government / Courts: (866) 320-6527
Utilities: (866) 254-3007
Banks / Credit Unions: (888) 234-8439

Should I contact or pay Professional Credit Service?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will Professional Credit Service sue me or garnish my wages?

Professional Credit Service (PCS) does have the ability to sue you for an unpaid debt. If they take this step and the court rules in their favor, they could potentially garnish your wages or even levy your bank accounts, depending on the laws of your state.

However, it’s important to note that suing is typically a last resort for many debt collection agencies. The process can be costly and time-consuming, and most agencies would prefer to negotiate a payment plan or reach a settlement before proceeding with legal action.

Professional Credit Service 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 Professional Credit Service

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

Remove Professional Credit Service From Your Credit Report Today!

Credit Saint can help you dispute Professional Credit Service collection 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.