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How to Remove Pro Com Services from Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

Summary:
Dealing with debt collectors like Pro Com Services can be stressful and frustrating. If you have ever been late or defaulted on a bill, you may find Pro Com Services 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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What is Pro Com Services?

Pro Com Services is a debt collection agency that reports collection accounts on your credit report. They may either purchase the debt from the original creditor, often paying pennies on the dollar, or collect on behalf of another company. Their communication can include mail and phone calls, demanding payment, and their presence on your credit report can significantly impact your credit score.

Does Pro Com Services hurt your credit score?

Having Pro Com Services on your credit report can significantly harm your credit score. Collections accounts indicate past-due debts, reflecting financial difficulty or non-payment. They can remain on your credit report for up to seven years, impacting your score throughout that period.

Steps to remove Pro Com Services from your credit report

1. Verify the debt

Before taking any action, verify that the debt belongs to you and that the amount is accurate. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter from Pro Com Services. This letter should include details about the debt, such as the original creditor, the amount owed, and any relevant account information.

2. 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.

3. Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with Pro Com Services 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.

4. Seek professional help

If you are struggling to manage the dispute process or negotiate with Pro Com Services, 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 or how to contact them

Request all correspondence in writing

Ensure a documented record of communications with Pro Com Services by requesting written correspondence. Contact Pro Com Services at the following address:
Pro Com Services contact information
3301 Constitution Drive, Springfield, IL 62711
+1 217-525-7600 or +1 888-633-8238
Email: Contact through their website form

How to file a complaint against Pro Com Services

Documenting your complaint

When filing a complaint, it’s important to provide as much detail as possible. 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 will help the authorities investigate your complaint more effectively.

Filing a complaint with the Consumer Financial Protection Bureau (CFPB)

You can file a complaint online here or by calling 1-855-411-2372.

Filing a complaint with your state’s Attorney General

You can also file a complaint with your state’s Attorney General’s office. Contact information for your state’s Attorney General can typically be found on their official website. To find your specific state regulator, check here.

Filing a complaint with the Federal Trade Commission (FTC)

File a complaint online here.

Following up on your complaint

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

Steps to prevent future debt collection issues

Regularly monitor your credit report

Keeping an eye on your credit report allows you to catch and address any inaccuracies or signs of identity theft early. Obtain your free credit report annually from each of the major credit bureaus at annualcreditreport.com.

Maintain timely payments

Consistently paying your bills on time is one of the best ways to avoid debt collections. Set up automatic payments or reminders to help manage your finances effectively.

Seek financial counseling

If you find managing your debts challenging, consider seeking help from a financial counselor. They can provide guidance on budgeting, debt management, and financial planning to help you stay on track.

Understanding your credit report

Why understanding your credit report is important

It is crucial to regularly review your credit report to ensure all the information is accurate. This includes checking for any accounts reported by Pro Com Services. You can obtain a free credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) annually at www.annualcreditreport.com.

Tips for dealing with debt collectors like Pro Com Services

When dealing with debt collectors, it’s essential to know your rights and how to When dealing with debt collectors, it’s essential to know your rights and how to protect yourself. Here are some tips:
  • Stay calm and polite: Maintain a calm and polite demeanor during all communications. This can help prevent escalation and keep the situation manageable.
  • Know your rights: Familiarize yourself with the FDCPA and your state’s debt collection laws. This knowledge can empower you to stand up against unfair practices.
  • Keep records: Document all interactions with debt collectors, including dates, times, and the nature of the communication. This can be crucial if you need to dispute the debt or file a complaint.

Pro tip

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

Conclusion

Dealing with Pro Com Services 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 Com Services violates my rights?

If you believe that Pro Com Services 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.

Why does Pro Com Services keep calling me?

Pro Com Services 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 Com Services try suing or garnishing my wages?

While it is rare for Pro Com Services 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 Com Services 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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