The Mystery Of PO Box 4488 Beaverton OR: What’s Behind The Financial Hub Address?

Have you recently received mail addressed to or referencing PO Box 4488 in Beaverton, Oregon? As of December 2025, this specific address—PO Box 4488, Beaverton, OR 97076-4402—is a frequent source of consumer curiosity and confusion, primarily due to its close proximity to some of the largest subprime credit card issuers in the United States.

The address itself is a non-descript post office box located within the Beaverton postal complex, but its significance is tied to the high-volume financial mail processing that occurs in this specific ZIP code extension. While a single, easily identifiable company is not publicly linked to PO Box 4488, the investigation points directly to the massive consumer finance industry that dominates this corner of Oregon.

The Financial Nexus: PO Box 4488 and the Beaverton Credit Complex

The primary reason PO Box 4488 generates so much interest is its location right next to a well-known financial powerhouse. The mailing address for the major consumer finance company, Concora Credit Inc., is consistently listed as PO Box 4477, Beaverton, OR 97076-4477.

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Concora Credit is the issuer behind popular credit cards designed for individuals rebuilding their credit, including the Milestone Mastercard, Indigo Mastercard, and Destiny Mastercard. This means that tens of thousands of pieces of mail—from applications, statements, and correspondence to legal notices—are routed through the adjacent PO Box 4477.

The fact that PO Box 4488 is the very next box in the sequence strongly suggests it is used by the same entity, or at least a closely related one, for a specific, high-volume purpose.

What is Concora Credit Inc.?

Concora Credit Inc. is the corporate entity that manages several well-known credit card programs. Understanding this company is key to understanding the activity around PO Box 4488.

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• Primary Business: Consumer finance, specifically subprime credit cards.
• Major Brands: Milestone Mastercard, Indigo Mastercard, Destiny Mastercard, and Earniva Business Mastercard.
• Official Correspondence Address: PO Box 4477, Beaverton, OR 97076-4477.
• NMLS Number: NMLS #1549514.
• Headquarters Location: Concora Credit has locations in Beaverton, OR, and Akron, OH.

Given the sheer volume of mail Concora Credit receives, it is a common practice for large financial institutions to rent multiple adjacent PO Boxes to separate mail streams. PO Box 4488 could be designated for any of the following specific functions:

• Legal/Compliance Mail: Separation of legal documents, subpoenas, or regulatory correspondence.
• Collections Department: A dedicated lockbox for payments or correspondence related to accounts in collections.
• Specific Card Program: An alternate mailing address for one of the company’s distinct card brands, such as the Earniva Business Mastercard, or a legacy brand.
• Specific Function Mail: A dedicated address for specific processes like credit dispute documentation or fraud reports.

Unpacking the ZIP Code: 97076-4402

The full nine-digit ZIP code for this PO Box is 97076-4402. The extended four digits, known as the ZIP+4 code, are critical because they pinpoint a specific delivery point, which in this case is PO Box 4488.

The concentration of financial services mail in the 97076 area is not a coincidence. Beaverton, Oregon, is a known hub for financial and payment processing services. This makes the PO Box facility a high-volume center, often utilized by companies that need to process thousands of pieces of mail daily, such as credit card issuers or debt servicers.

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If you receive mail from PO Box 4488, it is almost certainly related to a financial product, a credit card account, or a debt servicing matter. The proximity to Concora Credit’s main correspondence address (PO Box 4477) is the strongest clue available to consumers.

Is PO Box 4488 a Collection Agency or a Payment Lockbox?

While the direct link to a collection agency is not definitively proven by the address alone, the nature of the business in the immediate vicinity makes this a very strong possibility.

The Collections Connection

In the world of consumer finance, it is extremely common for credit card companies to use separate PO Boxes for their collections or debt management departments. This allows them to quickly sort and process correspondence related to delinquent accounts without mixing it with general customer service mail.

• The 4488 Number Clue: Interestingly, a local Beaverton-area collections agency, Capital Credit & Collection Service, uses a phone number that ends in 4488 (503-297-4488). While their publicly listed physical address is elsewhere, the highly specific number match suggests a potential relationship or that the number 4488 is a significant internal identifier within the local financial services ecosystem.
• Consumer Reports: Consumer complaints and inquiries about PO Box addresses in this range are frequently related to credit card payments, balance transfers, or debt notices, further solidifying the financial services connection.

The Payment Lockbox Theory

Another common use for a dedicated PO Box is a lockbox service. A lockbox is a post office box that a bank or third-party processor checks multiple times a day to collect payments. If PO Box 4488 is used as a payment lockbox, it would be specifically for a certain category of payment, such as expedited payments, third-party bill pay remittances, or a different portfolio of accounts than those directed to PO Box 4477.

Actionable Steps for Consumers

If you have received correspondence from PO Box 4488, here are the recommended steps to identify the sender and handle the mail appropriately:

1. Examine the Letterhead: The letter itself should contain the name of the company and often a more detailed contact address or phone number. Do not rely solely on the PO Box for identification.
2. Check Your Credit Reports: If the mail is unexpected, pull your free credit reports from Equifax, Experian, and TransUnion (via AnnualCreditReport.com). Look for any accounts from Milestone, Indigo, Destiny, or other credit servicers that might be associated with Concora Credit.
3. Contact Concora Credit: Since the address is adjacent to their main correspondence box, a call to Concora Credit’s customer service (often listed as 1-800-224-4960) may help clarify if the box is used for a specific function related to their brands.
4. Document Everything: If the correspondence is a debt notice, document the date, sender, and the amount. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt.

In conclusion, while PO Box 4488 remains a specific, unadvertised mailing address, its geographical and numerical context within the Beaverton postal system leaves little doubt about its purpose. It is an integral part of the local financial services hub, most likely serving as a specialized lockbox or correspondence address for a major consumer credit institution like Concora Credit Inc., or a related debt servicing entity operating in the 97076 ZIP code.