Is Physicians & Dentists Credit Bureau on Your Credit Report?
Short answer: Physicians & Dentists Credit Bureau (PDCB) is a real, legitimate medical debt collector based in Kent, WA. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Physicians & Dentists Credit Bureau?
The Kent, Washington office of Physicians & Dentists Credit Bureau is the address behind the notices consumers receive. Medical balances change hands with unusually poor paperwork, so ask Physicians & Dentists Credit Bureau for an itemized statement and proof it is authorized to collect before you treat the balance as settled fact. Complaints cluster heavily in Washington: 33 of 38, or 87% of everything on file. Because the CFPB file lists only consumer locations, the Kent headquarters was verified on its own against 2 independent public sources. Timeliness is imperfect here: 63% of responses landed within the required window. Behind that, communication tactics accounts for 5 further filings. The top three consumer states by filing count are WA 33, CA 1, FL 1. The balances it pursues are typically medical and dental bills, consumer credit accounts, retail and installment accounts. Written validation costs you a stamp and shifts the burden of proof back onto the collector.
You may also see this company on your report or in letters as: PDCB.
What most people don't know about PDCB:
Physicians & Dentists Credit Bureau is named in 38 debt-collection complaints in the CFPB's public database, the single most common being disclosure and verification of the debt (12 of them, 32%). The bureau flagged 14 of those responses as not timely. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Why Is PDCB on My Credit Report?
Physicians & Dentists Credit Bureau typically collects medical and dental bills, consumer credit accounts, retail and installment accounts. A collection like this usually lands on your report because:
- ✅ An original account (a medical and dental bills, for example) went unpaid and was charged off.
- ✅ The account was placed with Physicians & Dentists Credit Bureau to collect on behalf of the original creditor.
- ✅ Physicians & Dentists Credit Bureau furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When PDCB Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send PDCB a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the PDCB tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that PDCB stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," PDCB can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars PDCB from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With PDCB
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the PDCB entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Physicians & Dentists Credit Bureau — Frequently Asked Questions
Is Physicians & Dentists Credit Bureau a scam or a legitimate company?
Physicians & Dentists Credit Bureau is a real, registered medical debt collector headquartered in Kent, WA. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like PDCB, so always demand written validation before paying anything.
Why is Physicians & Dentists Credit Bureau on my credit report?
The Kent, Washington office of Physicians & Dentists Credit Bureau is the address behind the notices consumers receive. Medical balances change hands with unusually poor paperwork, so ask Physicians & Dentists Credit Bureau for an itemized statement and proof it is authorized to collect before you treat the balance as settled fact. Complaints cluster heavily in Washington: 33 of 38, or 87% of everything on file. Because the CFPB file lists only consumer locations, the Kent headquarters was verified on its own against 2 independent public sources. Timeliness is imperfect here: 63% of responses landed within the required window. Behind that, communication tactics accounts for 5 further filings. The top three consumer states by filing count are WA 33, CA 1, FL 1. The balances it pursues are typically medical and dental bills, consumer credit accounts, retail and installment accounts. Written validation costs you a stamp and shifts the burden of proof back onto the collector. It most commonly collects medical and dental bills, consumer credit accounts, retail and installment accounts. It likely appeared after an original account went unpaid and was placed with them for collection. Physicians & Dentists Credit Bureau is named in 38 debt-collection complaints in the CFPB's public database, the single most common being disclosure and verification of the debt (12 of them, 32%). The bureau flagged 14 of those responses as not timely. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Can Physicians & Dentists Credit Bureau be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported PDCB collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Physicians & Dentists Credit Bureau cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Physicians & Dentists Credit Bureau or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to PDCB.
How long can Physicians & Dentists Credit Bureau report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Physicians & Dentists Credit Bureau acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Physicians & Dentists Credit Bureau sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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