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Guide to Removing Professional Account Management From Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

Struggling with debt collectors like Professional Account Management on your credit report? This comprehensive guide will help you navigate the process of removing it. It covers the impact 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 Professional Account Management

Professional Account Management is a debt collection agency that reports collection accounts on your credit report. They may have purchased the debt from the original creditor, or they may be collecting on behalf of another company. Professional Account Management (PAM) is a division of Duncan Solutions, Inc., specializing in recovering unpaid debts, particularly those arising from parking fines and unpaid tolls.

Is Professional Account Management a scam or legitimate?

Professional Account Management is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients and have been in business since 1999. However, they are known for aggressive collection practices, which can be distressing.

How does Professional Account Management affect your credit score?

Having a collection account from Professional Account Management on your credit report can significantly harm your credit score. Collections can remain on your report for up to seven years, indicating financial difficulty or non-payment.

Steps to remove Professional Account Management from your credit report

Verify the debt

Before taking any action, verify that the debt belongs to you and that the amount is accurate. Request a debt validation letter from Professional Account Management. This letter should include details about the debt, such as the original creditor, the amount owed, and any relevant account information.

Dispute inaccurate information

If you find any inaccuracies, 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 with supporting documentation to prove the errors.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with Professional Account Management to remove the collections account from your credit report in exchange for payment. Ensure you get the agreement in writing before making any payments.

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.

Seek professional help

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

Should you pay Professional Account Management?

Paying off Professional Account Management to have credit bureaus delete it from your report seems ideal. However, paying a debt in collections changes your credit report status from ‘unpaid’ to ‘paid’. The result? The collection still appears on your report for seven years, impacting your credit score.

Legal rights when dealing with Professional Account Management

You have the right to dispute any debt that Professional Account Management is trying to collect. They are governed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These acts provide a great deal of power to you if you know how to use it.

Request all correspondence in writing

Ensure a documented record of communications with Professional Account Management by requesting written correspondence. Contact Professional Account Management at the following address:
Professional Account Management contact information
633 W Wisconsin Ave Ste 1600, Milwaukee, WI 53203
+1 414-847-1096

How to file a complaint against Professional Account Management

If you believe Professional Account Management 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: 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: Consumer Finance.
  3. Federal Trade Commission (FTC): File a complaint online here.

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 Professional Account Management. You can obtain a free credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) annually at

Steps to dispute a debt with Professional Account Management

When disputing a debt with Professional Account Management, follow these steps:
  1. Request a debt validation letter to verify the debt details.
  2. Gather evidence supporting your dispute, such as payment records or correspondence.
  3. Submit a written dispute to Professional Account Management and the credit bureaus, including all supporting documentation.
  4. Follow up to ensure your dispute is being processed and resolved.

Tips for dealing with debt collectors like Professional Account Management

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.


Dealing with Professional Account Management 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 Professional Account Management violates my rights?

If you believe that Professional Account Management 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 Professional Account Management a legitimate company?

Yes, Professional Account Management 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 Professional Account Management keep calling me?

Professional Account Management 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 Professional Account Management try suing or garnishing my wages?

While it is rare for Professional Account Management 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.

Does Professional Account Management accept goodwill letters to remove my collection/charge-off?

In our experience, Professional Account Management does not typically accept goodwill letters to remove collection accounts or charge-offs. Most collection agencies do not. A goodwill letter is a request to remove a negative mark as a gesture of goodwill, usually after the debt has been paid.

Who does Professional Account Management collect for?

Professional Account Management collects debts for a variety of creditors, including credit card companies, loan providers, and other financial institutions. The specific creditors they collect for can change over time and are typically not publicly disclosed.

What is Professional Account Management’s phone number?

You can contact Professional Account Management at their official phone number. However, it is often beneficial to speak with a credit repair company first to understand your options and avoid potentially damaging your credit score further by paying off inaccurate debts.

Where can I find Professional Account Management login?

Logging into your Professional Account Management account may provide you with information about your debt and payment options. However, before making any payments, consult with a credit repair professional to review the accuracy of the debt and explore possible dispute options.

Key takeaways

  • Professional Account Management 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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