Remove Innovative Recovery from Credit Report and Boost Your Score

Remove Innovative Recovery from Credit Report and Boost Your Score

If you're thinking about disputing a debt that's now in collections, you need to know what to expect and what you're up against. U.S. debt collection alone is huge. In fact, as of 2022, in the U.S. there are over 7,000 debt collection agency businesses.

Like other collection companies,  can certainly negatively impact your credit score and remain on your credit report for up to seven years. And, believe it or not, your credit score can get even lower by paying the collection. The good news — DoNotPay has your best interest at heart and can help you remove that Innovative Recovery debt from your credit report.

Having a good credit score will help you when it comes time to:

  • Take out a student loan.
  • Apply for an automobile loan.
  • Rent a new apartment.
  • Take out a mortgage on a house.
  • Sign a new phone contract.
  • Get car insurance or a utility turned on without a huge deposit.
  • Apply for a credit card.
  • Apply for financing for medical or dental care.

If your credit score is low, or you have negative items on your credit report, it can keep you from being able to benefit from these and other things where your credit score and credit report are looked at and determine your approval status.

What Is Innovative Recovery?

 is a type of debt collection that can go on your credit report. They buy your debt from a type of creditor like a credit card company or a loan company. They may try communicating with you by phone or mail to seek payment from you. And, if they land on your credit report, it can harm your score and hinder your chances of being approved for future credit, like loans, a mortgage, or new credit cards. It may be in your best interest to get this debt removed from your credit report, particularly with DoNotPay's help.

Can You Dispute an Innovative Recovery Debt?

Disputing an Innovative Recovery debt is very possible if you believe the information they are reporting is inaccurate. It could be that Innovative Recovery bought someone else's debt that they're attributing to you now. You're not going to pay another person's debt.

Even if the debt is yours, it's not a guarantee that Innovative Recovery is reporting the correct information about your debt. They may even have mixed up some paperwork when they bought your debt — this is possible. They may be reporting more debt than you truly owe. Any of these things are possible and you'll want to dispute it promptly by sending Innovative Recovery a debt validation letter.

What Is a Debt Validation Letter?

A debt validation letter is a letter that's sent to debt collectors when there is suspicion that a debt trying to be collected doesn't exist. Sometimes, the debt may exist, but the amount being claimed is being questioned. In either situation, it would be in your best interest to send a debt validation letter for several reasons:

  1. Proof of Debt

Sending a debt validation letter will force the collection agency to prove the amount of debt you owe. This is putting it on them to show proof, instead of you having to prove you don't.

  1. Missing Paperwork

They might not be able to furnish the paperwork that shows you even owe a debt. This could automatically get the charge removed from your credit report.

  1. Gain Clarity

You'll be able to gain clarity on the exact amount of debt you truly owe. Sometimes this information can be unclear.

How to Dispute an Innovative Recovery Credit Report?

If Innovative Recovery is reporting debt information that is inaccurate or fraudulent, you can dispute the claim successfully and have the credit collection agency remove it from your credit report. Disputing the debt can be done through phone, mail, or online. Once they receive your dispute, they'll investigate the matter and if they decide the reported information is indeed inaccurate, then they'll remove it from your credit report.

If, after you dispute the debt, they don't take any action, there are other steps you can take:

  1. Start a new dispute with extra information that you didn't include in the last dispute.
  2. Contact the president or CEO to expedite your complaint.
  3. Reach out to Innovative Recovery directly.
  4. File a complaint with the proper agencies.

For example, you can file a credit report complaint through the Consumer Financial Protection Bureau:

Contact Information
OnlineConsumer Financial Protection Bureau
Phone Number1-855-411-2372 or 1-855-729-2372
Mailing AddressCFPB, P.O. Box 4503, Iowa City, Iowa 52244
  1. Consider suing Innovative Recovery.

How to Clean Up Your Credit Report With the Help of DoNotPay?

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 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:
  • If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.


  • 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.


  • 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!


  • 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.


You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more.

Other Services DoNotPay Can Help You With

Not only can DoNotPay help you dispute a debt on your credit report from Innovative Recovery, but they can also help you:

What Else Can DoNotPay Do?

It doesn't stop there with what DoNotPay can do. With the help of DoNotPay, you can also:

If you're ready to take action and  reported on your credit report, let DoNotPay help.

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