Professional Credit Service

Updated

Is Professional Credit Service hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be 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 work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Professional Credit Service

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Professional Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Professional Credit Service must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Professional Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Professional Credit Service From Your Credit Report Today!

Credit Saint can assist you in disputing Professional Credit Service collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Crediful
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.