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How to Remove Professional Collection Services from Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

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

Professional Collection Services is a debt collection agency reporting a collection account on your credit report. They may have purchased the debt from the original creditor or are collecting on behalf of another company. This often means they paid a fraction of the original debt amount.

Does Professional Collection Services hurt my credit score?

Having a collections account with Professional Collection Services on your credit report can significantly impact your credit score. This negative mark indicates past-due debts and can remain on your report for up to seven years, affecting your ability to secure loans and other financial products.

Steps to remove Professional Collection 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 Professional Collection 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 Professional Collection 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 Professional Collection 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.

Your rights when dealing with Professional Collection Services

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide you with certain rights and protections when dealing with debt collectors like Professional Collection Services.
  • Protection from harassment: Debt collectors are prohibited from engaging in harassing behavior, such as repeatedly calling you, using obscene language, or making threats of violence.
  • Verification of debts: If you dispute a debt, the debt collector must provide verification of the debt, including the amount owed and the name of the original creditor. You have the right to request this information in writing within 30 days of receiving the initial communication from the debt collector.
  • Cease and desist: You can request that the debt collector stop contacting you about the debt. Once you make this request in writing, they are legally required to cease communication, except to inform you of specific actions they may take, such as filing a lawsuit.
  • Accuracy in reporting: Debt collectors must accurately report information about the debt to credit reporting agencies. If you believe there is inaccurate information on your credit report, you have the right to dispute it.
  • Legal recourse: If a debt collector violates the FDCPA, you have the right to take legal action against them. You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or pursue a lawsuit in state or federal court.
You can find more information at Federal Trade Commission.

Pro tip

You can request that a debt collector stop contacting you under the FDCPA. This request does not mean you are free from owing the debt or that the company can’t take legal action against you, but it does alleviate the stress of constant calls.

Request all correspondence in writing

Ensure a documented record of communications with Professional Collection Services by requesting written correspondence. Contact Professional Collection Services at the following address:
Professional Collection Services contact information:
5156 River Rd # I, Ste I, Columbus, GA 31904
Phone: +1 844-572-3987

How to file a complaint against Professional Collection Services

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

If you believe Professional Collection Services has violated your rights, you can file a complaint with the CFPB. The CFPB handles complaints about financial services, including debt collection practices.
  1. Visit the CFPB complaint page.
  2. Follow the instructions to submit your complaint, providing as much detail as possible.
  3. Include any supporting documentation such as letters, emails, or phone records.

Filing a complaint with your state Attorney General’s office

Your state’s Attorney General can also handle complaints against debt collectors. Each state has its own process for filing complaints, so visit your Attorney General’s website for specific instructions.
  1. Find your state Attorney General’s contact information here.
  2. Submit your complaint through the website or by mail, including all relevant details and documentation.

Filing a complaint with the Federal Trade Commission (FTC)

The FTC is another federal agency that handles complaints about debt collection practices.
  1. Visit the FTC complaint page.
  2. Follow the instructions to file your complaint online, providing as much detail as possible.
  3. Attach any supporting documentation such as letters, emails, or phone records.

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 Collection 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.

Steps to dispute a debt with Professional Collection Services

When disputing a debt with Professional Collection Services, 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 Collection Services and the credit bureaus, including all supporting documentation.
  4. Follow up to ensure your dispute is being processed and resolved.

How to prevent future debt collections

To avoid future debt collection issues, consider the following tips:
  • Pay your bills on time and manage your debts responsibly.
  • Monitor your credit report regularly for any inaccuracies or signs of identity theft.
  • Create a budget to keep track of your income and expenses, ensuring you live within your means.

Pro tip

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

Conclusion

Dealing with Professional Collection 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 Professional Collection Services violates my rights?

If you believe that Professional Collection 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.

Is Professional Collection Services a legitimate company?

Yes, Professional Collection Services 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 Collection Services keep calling me?

Professional Collection 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.

Key takeaways

  • Professional Collection Services is a legitimate debt collection agency that can impact your credit score significantly.
  • You have the right to request a debt validation letter and dispute any inaccurate information on 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.
  • Regularly monitoring your credit report and understanding your rights under the FDCPA and FCRA can help protect your financial health.

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