Frequently Asked Questions

Why am I not working with my original creditor?

When accounts become delinquent, they are frequently sold. Plaza Services, LLC is an RMAI Certified Receivables Business. We purchase accounts from the original lender, after which, Plaza Services becomes the new creditor. We work with independent collection agencies and law firm partners who contact our consumers to collect accounts on our behalf. If you would like to confirm that the collection agency or law firm contacting you is working on Plaza’s behalf, please call our office at 877-475-1103 for validation.

Does Plaza report to credit bureaus?

Yes, Plaza Services reports accounts that we own to TransUnion.  Learn more about our Credit Reporting.

Are payment plans accepted?

Yes, Plaza Services works with consumers to customize payment arrangements that fit each budget and allow the resolution of the debt. You can view your payment options online or contact a Customer Service Specialist at 877- 475-1103.

I think my balance is incorrect. How do I dispute the debt?

Plaza Services takes disputes and complaints seriously. You can initiate an online dispute or call a Customer Service Specialist at 877-475-1103. Depending on individual circumstances, we will often halt collection efforts after your account has been processed, which typically takes 1-2 business days.

What should I do if I am the victim of Identity Theft?

Please submit a Fraud Affidavit as soon as possible. Fraud claims are typically processed within 1-2 business days of the request. You will receive a written acknowledgement that your fraud claim has been received. We will respond within 30-days of receipt of the fraud claim with the outcome of the investigation. If we cannot locate your account, we may need to contact you.

Why is the “Open Date” on my credit report different from when I actually opened the account?

The credit bureaus require Plaza to report the date of acquisition as the “Open Date.” Please know that this “Open Date” does not affect how long our tradeline may appear on your credit report.  Please see Credit Bureau Reporting for more information.

Frequently Asked Questions, Answered.

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