Pacific Credit Exchange

Last checked: July 20, 2026

Pacific Credit Exchange is a debt collection agency headquartered in Encino. It has held a Texas surety bond continuously for 9 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20160182), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

9 years

of continuous verified Texas bond history on the Secretary of State register. Pacific Credit Exchange currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: July 20, 2026

Verified facts about Pacific Credit Exchange

Fact	Value	Source
Headquarters	Encino	Source: pacificcreditexchange.com · Last checked: July 20, 2026
Company type	Third-party agency	Source: pacificcreditexchange.com · Last checked: July 20, 2026
Debt types handled	Financial Services	Source: pacificcreditexchange.com · Last checked: July 20, 2026
Website	pacificcreditexchange.com
Texas surety bond history	9 years continuously bonded ActiveSoS File 20160182· filed August 24, 2016	Register: direct.sos.state.tx.us · Last checked: July 20, 2026
CFPB complaints on record	90	CFPB database: consumerfinance.gov · Last checked: July 20, 2026

Common questions about Pacific Credit Exchange

Is Pacific Credit Exchange licensed to collect debt in Texas?

Yes. Pacific Credit Exchange has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20160182), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked July 20, 2026.

Does Pacific Credit Exchange have complaints on record?

The public CFPB Consumer Complaint Database records 90 debt-collection complaints referencing Pacific Credit Exchange, as of July 20, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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