If Progressive Management Systems is showing up on your credit report, your credit score may be suffering. Here’s what you need to know—and how to remove them.
Who Is Progressive Management Systems?
Progressive Management Systems (PMS) is a debt collection agency with offices in West Covina, California, and Las Vegas, Nevada.
You might see them listed on your credit report under different names, including:
- PMS Collections
- Progressive Mgmt Sys
- Progressive Management S
- Progressive Mgmt System
Their appearance usually means an unpaid debt has been sent to collections.
Who Does Progressive Management Systems Collect For?
Progressive Management Systems works with various creditors across multiple industries. In some cases, they purchase debts from the original creditor for a fraction of the balance owed, then attempt to collect the full amount.
They often handle:
- Credit card debt
- Personal loan defaults
- Other types of consumer debt
Is Progressive Management Systems Legitimate?
Yes, Progressive Management Systems is a real debt collection agency. But even legitimate companies can report inaccurate information, so it’s always wise to verify any debt before paying.
How to Remove Progressive Management Systems From Your Credit Report
A collection account can damage your credit for up to seven years—but there are steps you can take to get it removed:
- Dispute errors: If the debt is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask PMS to provide proof the debt is valid and the amount is accurate. If they can’t, they must remove the account.
- Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for having the account removed from your credit report. Always get any agreement in writing.
- Work with a credit repair service: Professionals can help challenge negative items or negotiate on your behalf, making the process less stressful.
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 Progressive Management Systems?
Before contacting PMS, review your credit report and confirm the details are accurate. Paying a debt without verifying it can restart the clock, keeping the negative mark on your report even longer.
If the debt is valid, you can explore settlement or pay-for-delete options. Many people prefer working with a credit repair company to avoid dealing directly with collectors.
Can Progressive Management Systems Sue or Garnish Wages?
Yes, they have the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Levy your bank account
That depends on your state’s laws. Lawsuits, however, are often a last resort, as they can be expensive and time-consuming for both sides.
Complaints About Progressive Management Systems
Like many debt collectors, Progressive Management Systems has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate credit reporting
- Harassing or excessive phone calls
- Failure to verify debts
If you believe your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Progressive Management Systems
You are protected by the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), which help prevent abusive collection practices. Your rights include:
- PMS cannot report false or incomplete information about you.
- You have the right to request written proof that the debt is valid.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector, both verbally and in writing.
- They cannot threaten arrest or legal action they aren’t legally allowed to take.
Progressive Management Systems Contact Information
Addresses:
Progressive Management Systems
1521 West Cameron Ave
West Covina, CA 91790
Progressive Management Systems
6275 McLeod Drive Ste 3
Las Vegas, NV 89120
Phone: (800) 258-7482
Get Help Removing Progressive Management Systems From Your Credit Report
Dealing with collections like PMS can be overwhelming, but you don’t have to face it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
They’ve been doing this for over 15 years—and they even offer a 90-day money-back guarantee for added peace of mind.
Want to learn how they can help? Visit their website or call (855) 281-1510 for a free consultation.
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.
