If Ray Klein, Inc. or Professional Credit Service is showing up on your credit report, it likely means you have an unpaid debt that has been sent to collections. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is Ray Klein, Inc.?
Ray Klein, Inc., which also operates under the name Professional Credit Service, is a debt collection agency based in Bend, Oregon. They help businesses recover unpaid debts when the original creditor has been unsuccessful in collecting the amount owed.
If your account has been placed with Ray Klein, Inc., you may see a collection account on your credit report, which can lower your credit score.
Who Does Ray Klein, Inc. Collect For?
Ray Klein, Inc. provides collection services for a variety of industries, including:
- Healthcare providers
- Financial services and banks
- Government agencies
- Commercial businesses
They primarily work with organizations in the Pacific Northwest but may collect debts nationwide.
Is Ray Klein, Inc. a Scam?
Ray Klein, Inc. is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Ray Klein, Inc. From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Ray Klein, Inc. to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get the agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
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 Ray Klein, Inc.?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection accounts.
Can Ray Klein, Inc. Sue or Garnish Wages?
Debt collectors like Ray Klein, Inc. can sue to recover unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on your state’s laws.
That said, lawsuits are typically a last resort. Most collection agencies attempt to resolve debts through settlements or payment plans before pursuing legal action.
Ray Klein, Inc. Contact Information
Addresses:
Ray Klein, Inc. / Professional Credit Service
435 NE 4th Street
Bend, OR 97701
Ray Klein, Inc. / Professional Credit Service
12204 SE Mill Plain Boulevard, Suite 101
Vancouver, WA 98684
Phone: (866) 581-9566
Complaints About Ray Klein, Inc.
Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Ray Klein, Inc. Collections
Dealing with collection accounts can feel overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
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.
