How to Remove ProCollect From Your Credit Report

Who is ProCollect?

ProCollect, Inc. (PCI) is a debt collection agency based in Dallas, Texas. They help creditors recoup unpaid debts from consumers.

If you find ProCollect listed on your credit report under collections, this is usually an indication that you have an outstanding debt which has not been settled. The debt could be linked to various circumstances, such as unpaid bills or other types of consumer debt.

Who does ProCollect collect for?

ProCollect focuses on multifamily and student housing debt recovery. They primarily serve property management companies, landlords, and other stakeholders within the real estate industry, particularly those dealing with apartment complexes, student housing facilities, and similar properties.

Is ProCollect legit or a scam?

ProCollect is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove ProCollect from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

ProCollect, Inc. Contact Information

Address:

ProCollect, Inc.
12170 N Abrams Rd, Ste 100
Dallas, TX 75243

Phone number: (800) 839-8186

Should I contact or pay ProCollect?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with ProCollect is to work with a credit repair professional. They help remove millions of negative items every year from companies like ProCollect on behalf of their clients.

Will ProCollect sue me or garnish my wages?

ProCollect does have the legal right to sue for the recovery of unpaid debt. If they decide to sue and succeed in their court case, they may be able to garnish your wages or levy your bank account, depending on the laws in your specific state.

However, it’s important to note that pursuing a lawsuit is typically a last resort because it’s a lengthy and costly process. Before any lawsuit, you will usually receive multiple communications and requests for payment.

ProCollect, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with ProCollect, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for ProCollect to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• ProCollect cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• ProCollect must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• ProCollect cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove ProCollect From Your Credit Report Today!

Credit Saint offers assistance with disputing ProCollect accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.