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How to Remove Professional Business Bureau from Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

Summary:
Facing interactions with debt collectors such as Professional Business Bureau can be overwhelming and frustrating. If you have overdue bills, Professional Business Bureau might appear on your credit report as the entity tasked with recovering the debt. Fortunately, there are actions you can take to manage these interactions and protect your rights. This detailed guide explores how Professional Business Bureau affects your credit score, offers methods for disputing and removing the account, explains your legal rights, provides negotiation strategies, and outlines steps to secure your financial well-being.

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What is Professional Business Bureau?

Professional Business Bureau is a debt collection agency that may report a collection account on your credit report. They could have either purchased the debt from the original creditor or be collecting on behalf of another company. They often attempt to communicate with you via mail or phone calls, demanding payment. Having a collections account on your credit report can significantly harm your credit score and reduce your chances of getting approved for loans or other financial events.

How does Professional Business Bureau affect my credit score?

Any derogatory mark, including a collection account from Professional Business Bureau, can severely impact your credit score. Such entries indicate past-due debts that have been handed over to collections, reflecting financial difficulty or non-payment. Collections can remain on your credit report for up to seven years from the date of the first delinquency, continuously affecting your score during that period.

Steps to remove Professional Business Bureau 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 Professional Business Bureau. 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 Professional Business Bureau 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 Professional Business Bureau, 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.

What are your rights when dealing with Professional Business Bureau?

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide a range of rights and protections when dealing with debt collectors like Professional Business Bureau. These rights include:
  • Protection from harassment: Debt collectors cannot use abusive or threatening language or engage in harassing behaviors.
  • Verification of debts: You have the right to request verification of the debt within 30 days of initial contact.
  • Cease and desist: You can request that the debt collector stops contacting you.
  • Accuracy in reporting: Debt collectors must accurately report information about the debt to credit reporting agencies.
  • Legal recourse: You can take legal action against a debt collector if they violate the FDCPA.

Request all correspondence in writing

Ensure a documented record of communications with Professional Business Bureau by requesting written correspondence. Contact Professional Business Bureau at the following address:
Professional Business Bureau contact information
821 Greenwood Avenue, Jackson, MI 49203
+1 517-782-0336

How to file a complaint against Professional Business Bureau

Steps to file a complaint

If you believe Professional Business Bureau has violated your rights under the FDCPA or FCRA, you have several options to file a complaint:
  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.
  3. Federal Trade Commission (FTC): File a complaint online here.

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.

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.

Tips for dealing with Professional Business Bureau

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 Professional Business Bureau, including dates, times, and the nature of the communication. This can be crucial if you need to dispute the debt or file a complaint.

Conclusion

Dealing with Professional Business Bureau 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 Professional Business Bureau violates my rights?

If you believe that Professional Business Bureau 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.

Will Professional Business Bureau try suing or garnishing my wages?

While it is rare for Professional Business Bureau 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 Business Bureau accept goodwill letters to remove my collection/charge-off?

In our experience, Professional Business Bureau 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.

Key takeaways

  • Professional Business Bureau 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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