What does PROFESSIONAL CREDIT MA mean on my credit report?
Learn about PROFESSIONAL CREDIT MA, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is PROFESSIONAL CREDIT MA?
PROFESSIONAL CREDIT MA is shorthand for Professional Credit Management Inc, with the company name being Professional Credit Management Inc Inc
Your creditor or provider has selected PCM to assist them in managing and recovering their receivables. PCM has worked with individuals for many years to develop strategies regarding effective means of collecting debts. If you receive a letter from PCM and have questions, contact PCM before answering so as not to provide information about yourself.
PROFESSIONAL CREDIT MA is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Professional Credit Management Inc.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
How do I contact them?
Here is the current contact details for Professional Credit Management Inc:
Address:
- PO Box 4037 500 West Washington Avenue Jonesboro, AR 72403
Website:
Email:
Phone:
Payments
Professional Credit Management, Inc. offers a variety of payment options, including online payments, wire transfers, and payments via mobile app. There is no discount for automatic payments, but there may be penalties for late or missed payments. PCM also accepts prepaid debit cards as a form of payment.
| Question | Answer |
|---|---|
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
How to Apply
this website does not provide information about applying for loans using a mobile app.
| Question | Answer |
|---|---|
| Can I apply for a loan using a mobile app? | No |
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove PROFESSIONAL CREDIT MA from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.