Get Choice Recovery Off Your Credit Report In A Breeze

How to Protect Your Credit Score from Choice Recovery

 claims to be different from other collection agencies. They say that they don't just collect outstanding debts, but they also help people address the reasons for their financial stress. But if they contact you about a debt, you still need to be careful to protect your rights and do what you can to fix your credit score.

According to some reports, at least 20% of collection agency accounts contain errors. As a consumer, it's your job to find and dispute those errors. We can show you how, and DoNotPay can take care of the dirty work for you. 

What is Choice Recovery?

 is a collections agency, but they approach people with outstanding debts a little differently. They don't just focus on recovering money that is owed, but they also try to help people find work. They say this enables them to be more successful at what they do, and that their approach leaves many people better off than before they were sent to collections.

Despite this, if they report your debt to credit reporting agencies, it will seriously impact your credit score. Depending on how high this number is, a debt collection can drop your score by as much as 100 points. That hit to your credit history will stay on your report for seven years.

Contact them through this information

Address1105 Schrock Rd Ste 700,

Columbus, OH 43229

Phone Number(800) 559-9277
Contact Form

How to Respond If You’re Contacted by Choice Recovery

Even though it feels intimidating to have a debt collector contact you, don't forget that you have rights. The first thing to know is that it's best to request that they communicate with you through writing. It's important to have proof of any agreements you make with them, and the Fair Debt Collection Practices Act (FDCPA) gives you the right to insist on written communications.

Once you have that taken care of, here are some of the ways you can defend your credit report.

  1. Request Debt Validation

The FDCPA also gives you the right to request the collection agency to prove that they have the correct information. You only have 30 days from when they contact you to make this request.

To do so, you'll have to submit a formal debt validation letter, and then they will have to respond within 30 days. If they can't verify that your debt is accurate, they will have to remove their report from your credit report.

  1. Dispute Their Account

If they are able to verify your debt, you still have options. The law allows you to dispute the account if there is any inaccurate information on it at all. To figure this out, you'll have to pull a copy of your credit report and compare all the information to what Choice Recovery has.

If any of the details are wrong, you can dispute the account. This can be something as small as how they spell your name, payment information, or tiny differences in the amount of the outstanding balance. They are allowed 30 days to investigate your dispute and reply.

  1. Ask for a Pay-For-Delete Agreement

If all the information is correct, you can try to negotiate an agreement for them to remove the report on your credit if you pay the debt. They may even agree to accept a smaller percentage than the original amount. Debt collectors resist pay-for-delete agreements, but they may agree if you're persistent and willing to promptly pay what you agree to.

How to Clean Your Credit Report on Your Own

There are a few ways to legally challenge negative information on your credit report. They include

  1. Dispute the report directly with the credit bureau
  2. Dispute the charge with the original reporting business
  3. Hire a professional credit repair service, which can be expensive
  4. Send a pay-to-delete letter
  5. Write a goodwill letter to demonstrate that the debt has been paid
  6. Wait years for the items to eventually fall off your record

DoNotPay Can Make the Process Easier

If all of this feels overwhelming, it's supposed to. Debt collectors count on consumers feeling intimidated and scared. But you do have rights, and DoNotPay knows how to help you stand up for them.

How to clean up your credit report using DoNotPay:

DoNotPay can get you started in just a few easy steps:

  1. Search Clean Credit Report on DoNotPay.


  2. Prepare a recent copy of your credit report that you can use as reference.


  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.


  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.


  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!


  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.


We make the process as simple as possible, so you can quickly get out of the trap of bad credit.

DoNotpay is simply the best choice as it is

  • Fast- You don’t have to spend too much time online searching for forms or ways to remove Choice Recovery from your credit report.
  • Easy- No tedious forms to fill in, just the three steps, and DoNotPay will take care of the rest.
  • Successful- You can rest assured that we make the best case for you to help you restore your clean credit report.

DoNotPay is in Your Corner

Negotiating with debt collectors like Choice Recovery isn't the only way we can help you with credit problems. Rebuilding your credit can be complex, but we offer many tools to make the process simple and efficient.

DoNotPay Can Do So Much More 

Helping you fix credit problems isn't all we can do. DoNotPay was created to make it possible for consumers to fight back against big corporations and other frustrating entities. You don't have to become an expert in every problem you face, because we already are. DoNotPay can help you with issues like these:

Take a look at the many services we offer and see how great it feels to have someone on your side.

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