How to Defend Your Credit Score from Recovery Partners, LLC

Outstanding debts can be sent to collection agencies, and they will do everything they can to get the money. Recovery Partners, LLC is one example of a debt collector you may run into. Although they will work hard to settle your debt, they aren't nearly as interested in helping you fix the problems they can cause you.

A report from a debt collector can have a big impact on your credit score, and it can even drop that number by 100 points. A poor credit score doesn't just affect the credit cards and loans you're eligible for; people can also look at it when they're considering you as a renter or job applicant. Here's what you need to know about your credit report, Recovery Partners, LLC, and how DoNotPay can help.

Information About Recovery Partners, LLC

Recovery Partners is based in Arizona, and their website claims that they use "a proactive and professional approach that produces results without confusion or complaints." Since their results generally include a serious hit to people's credit scores, it seems unlikely that there are zero complaints. You can contact Recovery Partners in any of the following ways:

What to Look For in Your Credit Report

Whether you're dealing with a collective effort from Recovery Partners or not, it's a good idea to keep track of what's on your credit report. The information there will not only tell you about what Recovery Partners has placed on your report, but it will also give you the information you may be able to use to fight back. Here's what you'll find on a credit report:

Personal Identifying Information

The information needed to clarify that the report is about you will be found in this section, such as your full name, address, date of birth, and social security number.

Credit Account Information

This part will list all the credit accounts under your names, such as mortgages, student loans, automobile loans, and credit cards. It will detail how long you've held each debt and your payment history on the account.

Inquiries

The inquiries companies have made on your credit history will be listed here. This section includes both soft inquiries, which do not affect your credit score, and hard inquiries, which do have a negative effect.

Collections and bankruptcies

Any outstanding debts will be found here. It will also show any accounts that have been sent to collections, as well as information about bankruptcies. These will bring down your credit score the most.

How to Clean Up Your Credit Report on Your Own

If you find items on your credit report that are dragging down your score, there are a few ways you can try to get them removed. Here are some of the techniques to try:

1. Write a goodwill letter to demonstrate that the debt has been paid and ask it to be removed
2. Dispute the report with the debt collector, such as Recovery Partners
3. Dispute the report directly with the credit bureau
4. Dispute the charge with the original reporting business
5. Hire a professional credit repair service (this can become expensive)
6. Send a pay-to-delete letter
7. Wait as many as seven years for the items to eventually be erased from your report

Take Care of Your Credit With DoNotPay

If you're dealing with calls from an agency like Recovery Partners, you'll be interested to hear how DoNotPay can help you. Debt collectors aren't going to offer any information about your rights or the best way to deal with them - but we will. We make it as easy as possible for you to clean up your credit report, and you only have to follow a few steps. How to clean up your credit report using DoNotPay:

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.

    

It's just that easy! We will take care of the rest, and you'll soon get the results you're looking for.

DoNotPay Can Help You Deal With Credit Problems

As a consumer, you have rights when it comes to your credit. DoNotPay believes that you shouldn't have to become an expert on financial law to claim your rights. We've created a system to help you get what you need, and here are some of the examples:

• Remove inquiries from your credit report
• Fix your credit score
• Create an effective credit dispute letter
• Remove collections from your credit report
• Dispute a credit report
• Write a debt validation letter
• Remove late payments from your credit report

DoNotPay Can Help You in Many Ways

Credit solutions are just one part of what we do. DoNotPay was created to solve problems on your behalf, and we're really good at what we do. Here's a taste of how we can get things done for you:

• Decode confusing TOS
• Help to cancel accounts
• Hacks to get compensation for airline flights
• Appeal financial aid
• Help paying bills

Try us out and see how many frustrating problems we can take care of!