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How to Remove Coast Professional from Your Credit Report

If you have student loans that go into default, your loan may be transferred to a third-party debt collector to pursue payments. This means you may start to hear from a debt collector called Coast Professional.

Coast Professional is a debt collector that will open a collection account on your credit report in order to coerce payments from you. Collection accounts on your credit report can damage your credit score for up to seven years, even after you have paid them off. In order to mend your credit score, you must remove the account from your credit report entirely.

If you are interested in getting your credit score back on track, follow our guide below to remove Coast Professional from your credit report.

What is Coast Professional?

Also known as CPI, Coast Professional is a medium-sized debt collection firm. They will be listed on your credit report if the original creditor of your debt has passed off the debt to Coast Professional for collection. They were founded in 2004 in Nevada, but they are currently headquartered in Geneseo, New York.

Coast Professional specializes in recovering government and higher education debt. Most likely, you will hear from them if you are behind on your student loan payments or government fine payments.

Coast Professional may be a legitimate collection agency, but they do not have a positive relationship with their customers. There are nearly 250 complaints filed against them with the Consumer Federal Protection Bureau (CFPB) and over 100 filed against them with the Better Business Bureau (BBB.)

These complaints are related to violations of the Fair Debt Collection Practices Act (FDCPA.) Coast Professional has been accused of infractions such as inaccurate reporting of debt information, harassment, and failure to respond to debt verification requests.

How to Remove Coast Professional from Your Credit Report

Unfortunately, paying off the debt outright will not remove Coast Professional from your credit report. This will simply move the account from being listed as active to paid. This means that future lenders can still see this account on your credit report and make loan decisions based on it. So how do you remove the account for good?

These are the essential steps to take to remove a Coast Professional collection account from your credit report.

Understand Your Rights

Most people don’t realize that there are laws that limit what debt collectors can and can’t do. Specifically, the Fair Debt Collection Practices Act (FDCPA) provides specific limitations for debt collectors so that consumers can be protected from harassment and abuse.

The purpose of this legislation is to keep debt collectors honest, professional, and courteous when dealing with consumers.

Under the FDCPA, debt collectors are prohibited from the following:

  • Contacting you before 8 a.m. or after 9 p.m.
  • Harass you or anyone else in regard to the debt
  • Continue to call you after you specify that they stop
  • Threaten legal action that they can’t or won’t take
  • Contact your place of work
  • Use abusive, aggressive, or profane language
  • Misrepresent themselves when contacting you
  • Misrepresent information regarding the debt
  • Ignore a request for debt validation

If Coast Professionals commits any of the above infractions, you may be entitled to reparation payments. This would involve seeking legal counsel, but it may be worth it if you are being consistently harassed by them. In fact, sometimes, you can even get Coast Professional to reimburse you for attorney fees along with your reparation payment.

Verify the Debt

One of the most important steps when dealing with a debt collector is verifying the debt. Essentially, this is when you place the burden of proof on Coast Professional to prove that the debt belongs to you. You can accomplish this with a debt validation letter, which formally requests that Coast Professional verify all of the information relating to the debt.

Send the debt validation letter to Coast Professional through U.S. Mail and request a return receipt. This allows you to certify that Coast Professional has received your letter.

If they ignore it or claim to never have received it, you can provide receipts that show otherwise. Again, debt collectors are notorious for lying to protect themselves, so it’s crucial to gather all the proof you can.

When verifying a debt, be sure to ask for the following information:

  • Name of the creditor
  • Name of borrower
  • Total amount owed
  • Dates of account activity

If any of the information comes up as inaccurate, the debt collector is required to contact all three major credit bureaus and delete the account. This can get you out of having to make payments altogether.

Even though this is the third step in our list, this should be accomplished right away. Most debt collectors require that you request debt verification within 30 days of first contact. If you put it off, Coast Professional may not respond to your request at all. It is essential that you send a debt verification letter as soon as possible to give yourself an opportunity to dispute the debt.

Negotiate a Pay-For-Delete Agreement

If Coast Professional validates your account, your next step would be to negotiate a settlement in exchange for deletion.

You will need to come to an agreement with Coast Professional regarding how much you will pay in exchange for deletion. Odds are that they have drastically inflated your balance with fees and penalties, so you can probably get away with paying less than the full balance. Try to negotiate half of the total amount and work from there.

Once you come to a final agreement with Coast Professional, get the settlement in writing. Once you have a clearly written agreement from them, make your first payment. Do not make a payment until you have their word in writing.

After thirty days of making your first payment, check your credit report with all of the major credit bureaus. If you still see Coast Professional listed, file a dispute with the credit bureaus and reach back out to Coast Professional. Remind them of your agreement and tell them you won’t make another payment until they are deleted from your credit report.

Work With a Professional

If all of this seems to be too much for you to try and handle on your own, you can reach out to a top-rated credit repair company to work on your behalf to remove negative entries from your credit report.

Lexington Law is one credit repair company that we highly recommend when you are facing a steep credit repair journey that you need help with.

Dealing with Coast Professional

No one enjoys dealing with debt collectors, but there is a proper way to go about handling them. By taking the proper steps before you make payments on your debt, you can ensure that Coast Professional is deleted from your credit report once and for all.


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