Online Threat Alerts (OTA) - Alerting you to scams and frauds.

Penn Credit Corporation Text Scam - How to Protect Yourself
Penn Credit Corporation Text Scam - How to Protect Yourself

Penn Credit Corporation is a legitimate debt collector, but their name is frequently used in phishing text scams. Scam texts often demand immediate payment for fake tolls or debts, using urgent language and phishing links. Do not click links. Verify debts via official channels and report scams to the FTC.

Identifying a Text Scam

  • Urgent Tone & Threats: Scammers often threaten immediate legal action, arrest, or wage garnishment to pressure you into paying immediately.
  • Suspicious Links: Texts often contain links to fraudulent websites designed to steal financial information.
  • Unrecognized Debt: The text mentions an account (e.g., parking tickets, tolls, medical bills) you do not recognize.
  • Lack of Information: Legitimate collectors must send a formal debt validation letter in the mail, not just a text message.

Steps to Take

  • Do Not Reply or Click: Simply replying "STOP" to a scammer can confirm your number is active.
  • Verify Independently: Find Penn Credit's official contact information independently (often 800-900-1381 for verified text-related inquiries) rather than using the number provided in the text.
  • Check Credit Report: Check for any unknown debts at AnnualCreditReport.com.
  • Report the Text: Report to the Federal Trade Commission at ReportFraud.ftc.gov.
  • Block the Number: Block the sender on your phone.
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