Account Recovery Solutions

Created by Yusheeka Gray, Modified on Tue, Nov 14, 2023 at 3:44 PM by Tuesday Roa-Oronan

Is Account Recovery Solutions On Your Credit Report?



  • Account Recovery Solutions operates as a debt collection agency.
  • It might not be necessary for you to settle your debt (which could potentially affect your credit score negatively).
  • Call us at 803-784-8100 to explore the possibility of having Account Recovery Solutions removed from your credit report, possibly without needing to pay off your debt.

Who are the Clients of Account Recovery Solutions?

Account Recovery Solutions operates as a debt collection agency that may report a collection account on your credit report.


Sometimes, this indicates that they've bought the debt from the original lender, like a credit card or loan company. Often, they purchase this debt at a fraction of its initial cost, sometimes only 10%. On other occasions, they might not own the debt but are paid to collect it on behalf of another firm.


They might try to reach you via mail or phone calls to demand payment. Worst of all, a collections account appearing on your credit report can negatively impact your score and your ability to secure a loan or other crucial financial transactions.


It might be feasible to have this account removed.


Does Account Recovery Solutions Affect My Credit Score?

Any derogatory mark within its statute of limitations can significantly impact your credit score, including a collections account.


How Can I Remove Account Recovery Solutions From My Credit Report?

You might be able to remove Account Recovery Solutions from your credit report if there's any incorrect, erroneous, or fraudulent information on the account that isn't or can't be corrected in a timely manner. According to a U.S. PIRGs study, 79% of credit reports contain errors or serious mistakes. We specialize in addressing these types of accounts for our clients.


Is Account Recovery Solutions a Debt Collection Agency?

Yes, Account Recovery Solutions is a debt collection agency. They purchase debts from various creditors who have given up on collecting the debt themselves, often referred to as a "charge-off".


Should I Pay Account Recovery Solutions to Delete It From My Report?

While paying off Account Recovery Solutions to get credit bureaus to remove it from your report seems ideal, it has a downside. Paying off a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collections still appears on your report for seven years from the date of first delinquency, still affecting your credit.


Should I Settle My Debt with Account Recovery Solutions?

Whether settling your debt with Account Recovery Solutions improves or worsens your score depends on various factors. You might not even have to pay at all, and if there are any issues with the account, you might be able to get it removed entirely.


Is Account Recovery Solutions a Legitimate Company?

Yes, Account Recovery Solutions is a legitimate company. They are not fraudulent or a scam, but they may frequently call and harass you.


Why Does Account Recovery Solutions Keep Calling Me?

Account Recovery Solutions continues to call in attempts to collect a debt. The best strategy is to ignore their calls and consult a company that can assist you in getting it removed.


Will Account Recovery Solutions Try to Sue Me or Garnish My Wages?

It's highly unlikely that Account Recovery Solutions will decide to sue. While it might happen in rare cases, it's not the usual scenario. Bank and wage garnishments are subject to state and federal laws. We strongly advise contacting us to assess the likelihood of a lawsuit and to discuss actions you can take to remove this collection.


Does Account Recovery Solutions Accept a Goodwill Letter to Remove My Collection/Charge-Off?

Based on our experience, Account Recovery Solutions typically does not accept goodwill letters to remove collection accounts or charge-offs. This is standard practice for most collection agencies.


Who are the Clients of Account Recovery Solutions?

Account Recovery Solutions is a debt collection agency working for various creditors. These entities are always changing, and typically, agencies like Account Recovery Solutions do not publicly disclose their client list.


What Rights Do I Have When Interacting with Account Recovery Solutions?

You have the power to challenge any debt that Account Recovery Solutions is attempting to collect from you. This company operates under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Although these laws may seem complex, they can offer you significant leverage if you understand how to utilize them.


How Can I Contact Account Recovery Solutions?

Before reaching out to Account Recovery Solutions, it might be beneficial to contact DIY Credit first. The reason being, you might not want to pay the debt listed by Account Recovery Solutions, especially if there's a chance it's incorrect. Settling such a debt could negatively impact your credit score.


Where Can I Access Account Recovery Solutions' Login Page?

While accessing your account via the Account Recovery Solutions login page might seem like a good idea, we strongly encourage you to get in touch with a credit repair company like ours first. We can help you understand why Account Recovery Solutions appears on your report and explore ways to dispute and possibly remove them.


Want to Erase Account Recovery Solutions from Your Report? Start Now!

In certain scenarios, we suggest consulting with a credit repair expert to assess your credit report. It's less stressful, less complicated, and saves time to let professionals identify the reasons for your score drop. If you're seeking a reliable company to assist in rectifying credit inaccuracies, feel free to reach out to us.


CALL US NOW AT 803-784-8100

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