What Is Pacific Coast Credit On My Credit Report?
Pacific Coast Credit is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Pacific Coast Credit A Debt Collection Agency?
Yes, Pacific Coast Credit is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Pacific Coast Credit may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Pacific Coast Credit Collect For?
Pacific Coast Credit purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Pacific Coast Credit Hurt My Credit Score?
Yes, it is highly likely having Pacific Coast Credit on your credit report is damaging your score significantly.
How Do I Remove Pacific Coast Credit From My Credit Report?
To be eligible to remove Pacific Coast Credit from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Pacific Coast Credit?
Paying off Pacific Coast Credit to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Pacific Coast Credit?
Settling your debt with Pacific Coast Credit could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Pacific Coast Credit Legit, Fake Or A Scam?
Pacific Coast Credit is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Pacific Coast Credit Keep Calling Me?
Pacific Coast Credit continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Pacific Coast Credit To Stop Calling Me?
As we’ve mentioned above, Pacific Coast Credit will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Pacific Coast Credit Reviews And Complaints
Pacific Coast Credit has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Pacific Coast Credit Try Suing Or Garnishing My Wages?
Pacific Coast Credit suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Pacific Coast Credit Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Pacific Coast Credit does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Pacific Coast Credit?
You have the right to dispute any of your debt that Pacific Coast Credit has purchased. Pacific Coast Credit is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Pacific Coast Credit Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Pacific Coast Credit. The reason? You may not want to pay Pacific Coast Credit debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Pacific Coast Credit Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.