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How to Remove PSC Collections from Your Credit Report

Last updated 06/27/2024 by

Silas Bamigbola

Edited by

Fact checked by

Dealing with debt collectors like PSC Collections can be stressful and frustrating. If you have ever been late or defaulted on a bill, you may find PSC Collections 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 PSC Collections?

PSC Collections, also known as Puget Sound Collections, is a debt collection agency reporting a collection account on your credit report. They may have purchased the debt from the original creditor for a fraction of its value or be collecting on behalf of another company. They often communicate through mail or phone calls, demanding payment, which can significantly impact your credit score.

Does PSC Collections hurt my credit score?

Yes, having a collections account like PSC Collections on your credit report can severely impact your credit score. A derogatory mark under its statute of limitations can reduce your chances of getting approved for loans or other financial products.

How to remove PSC Collections from your credit report

1. Verify the debt

First, verify that the debt is yours and the amount is accurate. Under the Fair Debt Collection Practices Act (FDCPA), you can request a debt validation letter from PSC Collections. 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 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 PSC Collections 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 PSC Collections, 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

Ensure a documented record of communications with PSC Collections by requesting written correspondence. Contact PSC Collections at the following address:
PSC Collections contact information
738 Broadway, Suite #400, Tacoma, WA 98402-3777
509 Olive Way, Suite #847, Seattle, WA 98101-2543
Phone: (253) 566-1800 (Tacoma), (206) 728-5000 (Seattle), Toll-free: 800-922-8932

How to file a complaint against PSC Collections

Filing a complaint

If you believe that PSC Collections 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.
  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.

Understanding your rights under the FDCPA and FCRA

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide consumers with important protections when dealing with debt collectors. Knowing your rights can help you handle interactions with PSC Collections more effectively.

Steps to take if PSC Collections sues you

If PSC Collections decides to sue you, it’s crucial to respond promptly. Ignoring a lawsuit can result in a default judgment against you, leading to wage garnishment or bank levies. Consult with a legal professional to understand your options and prepare your defense.

How to negotiate with PSC Collections

Negotiating with PSC Collections can potentially lead to a better outcome, such as a reduced settlement amount or a pay-for-delete agreement. Understand the negotiation process and prepare to make your case effectively.


Removing PSC Collections from your credit report can significantly improve your credit score and overall financial health. By verifying the debt, disputing inaccuracies, negotiating settlements, and understanding your rights, you can effectively manage and potentially eliminate the negative impact of collections. If needed, seek professional help to navigate this process and ensure the best outcome for your credit profile.

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.

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 PSC Collections a legitimate company?

Yes, PSC Collections 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 PSC Collections keep calling me?

PSC Collections 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 PSC Collections try suing or garnishing my wages?

While it is rare for PSC Collections 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

  • PSC Collections 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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