Content on is based on in-depth research & analysis. Opinions are our own. We may earn a commission when you click or make a purchase from links on our site. Learn more.


How to Remove Professional Finance Company From Your Credit

If you have been contacted by Professional Finance Company, you are probably being pursued for an old unpaid debt.

This can make for unpleasant interactions with creditors and constant harassment for payment.

Having a collection account on your credit report can damage your credit score for up to seven years, even after you pay it.

To improve your credit, you will need to handle the Professional Finance Company collection promptly.

What is Professional Finance Company?

Originally founded in 1985, Professional Finance Company is a medium-sized debt collection agency.

They offer services for debt recovery, self-pay early-out, and debt purchasing.

Is Professional Finance Company Legit?

Professional Finance Company is legitimate and is currently headquartered in Greeley, CO in Northern Colorado.

They collect debts on behalf of a variety of industries such as original creditors like:

  • consumer retail lenders
  • financial service organizations
  • government agencies
  • healthcare providers

Professional Finance Company is also are known by a few other names:

  • ​PFC
  • ​Professional Finance Company, Inc.
  • ACA International

They currently have nearly 252 complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and 23 complaints filed with the Better Business Bureau (BBB).

These complaints are usually due to inaccurate credit reporting or failing to respond to debt verification requests.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Credit Saint for Help

Steps to Remove Professional Finance Company From Your Credit Report

Even if you pay off your debts with Professional Finance Company, you’ll still be left with a collection report on your account.

This means that your debt will continue to impact your credit score by the three credit bureaus unless the entry is removed entirely.

If you would like to remove the collection entry from your credit report, follow the steps below.

Understand Your Rights

The Fair Debt Collection Practices Act (FDCPA) is a piece of federal legislation that prevents debt collectors from harassing or abusing their customers.

It also allows customers to view the information in their credit report and dispute any information that is inaccurate.

Some of the actions that are forbidden under the FDCPA are:

  • Contact:
    • you before 8 a.m. or after 9 p.m.
    • you at work or at a time that you have said is inconvenient
    • your family, friends, or employer regarding your debt
  • Use harassing or abusive language
  • Threaten legal action that they can’t or won’t take
  • Misrepresent themselves when contacting you
  • Misrepresent information regarding your debt

If Professional Finance Company does any of the above when contacting you regarding your debt, tell them that they are in violation of the FDCPA and hang up.

It is essential that you understand your rights under the FDCPA when you begin dealing with Professional Finance Company.

Arming yourself with this knowledge can help you as you begin negotiating details of your debt and credit entry.

Request a Goodwill Adjustment

Once you familiarize yourself with your rights under the FDCPA, you should request a goodwill deletion.

This is only really an option if you have already paid off the debt and would like the entry removed after the fact.

A goodwill letter is essentially a letter explaining why you were late on your payments.

A good example of a reason for a goodwill deletion is if you are trying to buy a house but can’t get a loan due to the collection account.

If your situation merits it and you ask nicely, they may remove the account out of goodwill.

It will also help if you have a record of making payments on time since the debt was paid off.

If you are unsure about how to write a goodwill deletion letter, I have got you covered, here is my sample letter template to write an effective goodwill letter.

Request Debt Validation

If you fail to get a goodwill deletion from Professional Finance Company, your next option would be to get the entry deleted on a technicality.

This means that you will need to request debt validation to find out if they have any incorrect information about your debt.

The debt collection process is not perfect.

A lot of information can get lost in the transition from the original credit to the debt collector.

Under the FDCPA, you have the right to request that the collection agency verify the information associated with your debt.

You need to send a debt validation letter to Professional Finance Company within 30 days of their first contact with you.

You can also dispute the collection with the credit agency with the advanced dispute method.

For this to work, you will need to review a current copy of your credit report, look closely at the Professional Finance Company entry and note any inaccuracies about your debt.

This can include the:

  • balance
  • account number
  • date opened or closed
  • account or payment status
  • any other information that appears inaccurate

If you find any information that is incorrect, you can write an advanced credit dispute letter to demand that the collection be removed.

This makes it more difficult for the credit agency to verify the collection, and this may cause them to remove the collection entirely.

Get a Free Copy of Your Credit Report>>

Hire a Professional

Some of us don’t have time to handle the back-and-forth of negotiating with collection agencies.

This is where credit repair professionals can help. They can help with questions like:

  • Will and can PFC sue me?
  • I think PFC placed erroneous delinquent accounts on my credit report. What can I do?

Credit repair companies handle this process for you so that you can leave the negotiations in their capable hands, one of the best credit repair professionals out there is Credit Saint.

They can get the unwanted entries on your credit report removed quickly, which can prevent many headaches on your end.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Find Locally Licensed Experts
Select your state to get started
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
Get Help from a Lexington Law Expert

Professional Finance Company Contact Information

Here is their contact information:

  • Address: 5754 West 11th Street Ste 100, Greeley, CO 80634 (also 5745 W 11th St Ste 100)
  • Phone Number: (970) 352-5000 and Toll-free: 800-864-4391

Dealing with Professional Finance Company

The process of removing a collections account from your credit report isn’t easy, but it is certainly worth it.

By taking care of it early, you can prevent extensive damage to your credit score.


Meet the Experts’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team