If Professional Service Bureau shows up on your credit report, your credit score could be taking a hit. Here’s what to know about who they are, why they’re contacting you, and how to get their account removed from your report.
Who Is Professional Service Bureau?
Professional Service Bureau, Inc. (PSB), also known as PSB & MARS, is a debt collection agency based in Anoka, Minnesota. They collect unpaid debts on behalf of their clients.
If you see PSB listed on your credit report, it usually means they are trying to collect a debt you have not paid.
What Types of Debts Does Professional Service Bureau Collect?
Professional Service Bureau focuses on medical debt collection. Their most well-known clients include:
- Mayo Clinic
- HealthPartners
If you have an unpaid medical bill with one of these providers, PSB may be the agency trying to collect.
Is Professional Service Bureau a Legitimate Company?
Yes, Professional Service Bureau is a real debt collection agency. They are legally allowed to collect debts for their clients.
Even so, always confirm the details before making any payments. Credit reports often contain errors, and not all debts are valid.
How to Remove Professional Service Bureau From Your Credit Report
Collection accounts can lower your credit score and stay on your credit report for up to seven years. But you may be able to get them removed sooner by taking the right steps:
- Dispute inaccurate information – If the debt isn’t yours or contains errors, file a dispute with the credit bureaus.
- Request debt validation – You can ask Professional Service Bureau to provide proof the debt belongs to you.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you settle the debt.
- Work with a credit repair company – Experts can help challenge negative accounts and guide you through the process.
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 Service Bureau?
Before reaching out or paying, confirm the debt is accurate and legally enforceable. Some debts may be incorrect or too old to collect.
Keep these points in mind:
- Making a payment can restart how long the debt stays on your credit report.
- You can request written proof before making any payments.
- A credit repair company can help you manage the situation and avoid common mistakes.
Can Professional Service Bureau Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they win in court, they could be granted a judgment, which may lead to:
- Wage garnishment
- Bank account levies
- Property liens
The steps they can take depend on state laws. Most collection agencies prefer to arrange a payment plan rather than go through the courts.
Professional Service Bureau Contact Information
Address:
Professional Service Bureau, Inc. (PSB & MARS)
911 Lund Blvd, Suite 100
Anoka, MN 55303
Phone Number: (877) 688-2268
Complaints About Professional Service Bureau
Many collection agencies receive complaints, and Professional Service Bureau is no exception. Reports filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) often include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint and take steps to protect your rights.
Your Rights When Dealing With Professional Service Bureau
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair debt collection practices:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They cannot harass you, repeatedly call, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to handle collection accounts.
Remove Professional Service Bureau From Your Credit Report Today
If dealing with collection accounts feels stressful, you don’t have to face it alone. Credit Saint has over 15 years of experience helping clients challenge negative entries, including accounts from Professional Service Bureau.
They even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 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.
