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Guide to Removing Pro Collect From Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

Dealing with debt collectors like Pro Collect can be stressful and frustrating. If you have ever been late or defaulted on a bill, you may find Pro Collect appearing on your credit report as the assigned agency to recover the debt. This comprehensive guide will help you navigate the process of removing it from your credit report. It covers the impact of this debt collection agency on your credit score, methods for disputing and removing the account, your legal rights, negotiation strategies, and steps to protect your financial health.

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Understanding Pro Collect

Pro Collect is a debt collection agency that may be reporting a collection account on your credit report. This typically means they have either purchased the debt from the original creditor or they are being paid to collect on behalf of another company. Their presence on your credit report can significantly impact your credit score, making it harder for you to obtain loans or other financial products.

Who does Pro Collect collect for?

Pro Collect collects debts for a variety of creditors, primarily focusing on multifamily and student housing debt recovery. They serve property management companies, landlords, and other stakeholders within the real estate industry, particularly those dealing with apartment complexes and student housing facilities.

Does Pro Collect hurt my credit score?

Yes, having a collection account from Pro Collect on your credit report can severely impact your credit score. Collections accounts are considered derogatory marks and can remain on your credit report for up to seven years, affecting your ability to secure credit during that time.

Steps to remove Pro Collect from your credit report

Verify the debt

Before taking any action, ensure the debt belongs to you and the amount is correct. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter from Pro Collect. This letter should include details about the debt, such as the original creditor and the amount owed.

Dispute inaccurate information

If you find any inaccuracies in the debt validation letter or your credit report, you can dispute the information with the credit bureaus. The Fair Credit Reporting Act (FCRA) gives you the right to challenge any incorrect or unverifiable information on your credit report. Submit a dispute to the credit bureaus (Experian, Equifax, and TransUnion) with supporting documentation to prove the errors.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with Pro Collect to remove the collections account from your credit report in exchange for payment. While not all debt collectors agree to this, it is worth attempting. Ensure you get the agreement in writing before making any payments.

Seek professional help

If you are struggling to manage the dispute process or negotiate with Pro Collect, consider seeking help from a credit repair company. These professionals can analyze your credit report, identify errors, and negotiate with creditors on your behalf.

Pro tip

Dispute any inaccuracies in writing and send your dispute to the credit bureaus via certified mail to ensure it is tracked and received.

Request all correspondence in writing

If you need to contact Pro Collect, here is their information:
Pro Collect contact information
12170 Abrams Rd, Suite 100, Dallas, TX 75243
Phone: 800-839-8186 or 214-341-7788
Fax: 888-897-3012

How to file a complaint against Pro Collect

Filing a complaint

If you believe Pro Collect has violated your rights under the FDCPA or FCRA, you have the option to file a complaint. Here’s how:
  1. Consumer Financial Protection Bureau (CFPB): File a complaint online here or by calling 1-855-411-2372.
  2. State’s Attorney General: File a complaint with your state’s Attorney General’s office. Contact information can typically be found on their official website.
  3. Federal Trade Commission (FTC): File a complaint online here.

Documenting your complaint

Provide as much detail as possible when filing a complaint. Include the name of the debt collector, the date and time of the alleged violation, and any supporting documentation such as letters, emails, or phone records. This information helps the authorities investigate your complaint more effectively.

Following up on your complaint

After filing your complaint, follow up with the relevant agency to ensure your case is being processed. Keep records of all communications and updates related to your complaint. If you do not receive a satisfactory resolution, consult with a consumer protection attorney to explore further legal action.

Know your rights under the FDCPA

Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA), which provides protection against abusive debt collection practices. This knowledge can empower you to stand up against unfair treatment.

Keep thorough records

Maintain detailed records of all interactions with Pro Collect, including dates, times, and the nature of each communication. This documentation can be crucial if you need to dispute the debt or file a complaint.

Seek professional advice

If you are unsure about how to handle communications with Pro Collect or how to proceed with disputes, consider consulting a credit counselor or attorney. Professional advice can help you navigate the complexities of dealing with debt collectors.

Pro tip

Monitor your credit report regularly to catch any inaccuracies early and address them before they become bigger issues.


Dealing with Pro Collect and other debt collectors can be challenging, but understanding your rights and the steps you can take to remove negative marks from your credit report is crucial. By verifying the debt, disputing inaccuracies, and considering options like pay-for-delete agreements, you can work towards improving your credit score. If you need help, don’t hesitate to reach out to credit repair professionals who can guide you through the process and help you achieve a positive resolution.

Frequently asked questions

How long does a collection account stay on my credit report?

A collection account can remain on your credit report for up to seven years from the date of the first delinquency.

Can paying off a collection account improve my credit score?

Paying off a collection account may improve your credit score slightly, but the negative mark will still remain on your report for up to seven years. Negotiating a pay-for-delete agreement can be more beneficial if you can get the debt collector to agree.

What should I do if Pro Collect violates my rights?

If you believe that Pro Collect has violated your rights under the FDCPA or FCRA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal advice to explore your options for recourse.

Can I remove a collection account by disputing it?

Yes, if the information on the collection account is inaccurate, unverifiable, or fraudulent, you can dispute it with the credit bureaus to have it removed from your credit report.

How can I prevent future collection accounts on my credit report?

To prevent future collection accounts, manage your debts responsibly, make timely payments, and monitor your credit report regularly for any inaccuracies or signs of identity theft.

Is Pro Collect a legitimate company?

Yes, Pro Collect is a legitimate debt collection agency. They are not a scam or fake company, but they may engage in aggressive collection tactics such as frequent phone calls or letters. It is important to know your rights when dealing with debt collectors to protect yourself from harassment and ensure fair treatment.

Why does Pro Collect keep calling me?

Pro Collect is attempting to collect a debt by contacting you through phone calls. If these calls are frequent or harassing, you have the right to request they cease communication. Sending a written request to stop contact can help manage the situation. If harassment continues, you may need to seek legal assistance.

Will Pro Collect try suing or garnishing my wages?

While it is rare for Pro Collect to sue, it is not impossible. If they decide to pursue legal action, you will receive a summons to appear in court. It is important to respond to any legal notices promptly. Wage garnishment can only occur if a court judgment is obtained against you. State and federal laws provide certain protections and exemptions regarding garnishment.

Key takeaways

  • Pro Collect is a legitimate debt collection agency that can significantly impact your credit score.
  • You have the right to request debt validation and dispute any inaccuracies in your credit report.
  • Negotiating a pay-for-delete agreement can potentially remove the negative mark from your credit report.
  • Seek professional help if you need assistance managing disputes or negotiating with debt collectors.
  • Understanding your rights under the FDCPA and FCRA can help you protect yourself from unfair collection practices.

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