Pacific Credit Exchange in Texas

Pacific Credit Exchange is a debt collection agency headquartered in Encino, CA. It has held a Texas surety bond continuously for 10 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. Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

10 years

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

Source: texas-sos.appianportalsgov.com · Last checked: October 5, 2026

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Public-record facts about Pacific Credit Exchange

Fact	Value	Source
Headquarters	Encino, CA	Named on: pacificcreditexchange.com · Last checked: October 10, 2026
Company type	Third-party agency	Classified by us from: pacificcreditexchange.com · Last checked: October 10, 2026
Debt types handled	Financial Services	Source: pacificcreditexchange.com
Website	pacificcreditexchange.com
Texas surety bond history	10 years continuously bonded Active SoS File 20160182 · filed August 24, 2016 · Hartford Casualty Insurance Company · bond 20BSBHN0072	Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026
CFPB debt-collection complaints on record	93	CFPB database: consumerfinance.gov · Last checked: October 7, 2026

How to reach Pacific Credit Exchange safely

No phone numbers shown yet. We show them only from a website we have tied to Pacific Credit Exchange's state register record, and its website is not yet tied.

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Common questions about Pacific Credit Exchange

Is Pacific Credit Exchange licensed to collect debt in Texas?

Pacific Credit Exchange has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20160182), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

Does Pacific Credit Exchange have complaints on record?

The public CFPB Consumer Complaint Database records 93 debt-collection complaints referencing Pacific Credit Exchange, as of October 7, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. 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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