I just recently checked my credit report. There a claim on there from Penn Credit from 2012, I have never heard of these people and I would like to have it removed from there. I have seen many comments on their website about the company harassing people and giving false information.. I was a little baffled when I saw their name on my credit report. I pay my bills even if I sometimes have to make payment arrangements. There is no way I have a charge off. I copied and pasted below: PENN CREDIT N/A Collection/ Chargeoff Learn More $288.00 Feb. 13th, 2012