H&R Accounts On Your Report?

Last Updated: October 21st, 2023

  • H&R Accounts is a debt collection company (that's likely hurting your credit score)
  • You may be able to remove them from your report, without paying your debt
  • Call us now to find out how!

What Is H&R Accounts On My Credit Report?

H&R Accounts is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.

Is H&R Accounts A Debt Collection Agency?

Yes, H&R Accounts is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").

H&R Accounts may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.

But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.

Who Does H&R Accounts Collect For?

H&R Accounts purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.

Does H&R Accounts Hurt My Credit Score?

Yes, it is highly likely having H&R Accounts on your credit report is damaging your score significantly.

What are the consequences of having a debt in collections on your credit report?

Having a debt in collections on your credit report can have severe implications on both your credit score and financial progress. The negative impact on your credit score can create barriers to approval for loans, credit cards, or even rental applications. Moreover, having a debt in collections can linger on your credit report for up to seven years, impacting your creditworthiness and restricting your financial opportunities.

Additionally, having a debt in collections can result in receiving regular collection calls and letters from the collection agency, which adds to stress and anxiety. In certain instances, collection agencies may escalate actions against you, such as filing a lawsuit for payment or wage garnishment.

Therefore, it's crucial to take the necessary steps to eliminate the debt from your credit report as soon as feasible, preventing any negative outcomes.

How can Credit Sage help with H&R Accounts?

At Credit Sage, we specialize in credit repair services and debt removal, including accounts in collections like H&R Accounts. Our team of experts can collaborate with you to scrutinize your credit report and spot any inaccuracies or errors that might be affecting your credit score.

Following this, we can initiate disputes with collection agencies like H&R Accounts and aim to have the account removed from your credit report entirely. By partnering with Credit Sage, individuals can feel at ease knowing that our team is working tirelessly to enhance their credit and financial well-being.

If you're looking to remove H&R Accounts from your credit report and increase your credit score, don't hesitate to call us right away to learn more about our credit repair services.

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How Do I Remove H&R Accounts From My Credit Report?

To be eligible to remove H&R Accounts from your credit report, you typically need to meet the following requirements:

  • Any information on the account is incorrect
  • Any information on the account is error’d
  • Any information on the account is fraudulent
  • And is not (or cannot be) fixed in an appropriate amount of time

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.

Should I Pay For Delete With H&R Accounts?

Paying off H&R Accounts to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.

Should I Negotiate A Settlement With H&R Accounts?

Settling your debt with H&R Accounts could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).

Is H&R Accounts Legit, Fake Or A Scam?

H&R Accounts is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.

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Why Do H&R Accounts Keep Calling Me?

H&R Accounts continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).

How To Get H&R Accounts To Stop Calling Me?

As we’ve mentioned above, H&R Accounts will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.

H&R Accounts Reviews And Complaints

H&R Accounts has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.

Will H&R Accounts Try Suing Or Garnishing My Wages?

H&R Accounts suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.

We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.

Looking for help with H&R Accounts?

Does H&R Accounts Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Based on our years of experience dealing with companies like this, H&R Accounts does not accept goodwill letters to remove collection accounts or charge offs.

What Are My Rights When Dealing With H&R Accounts?

You have the right to dispute any of your debt that H&R Accounts has purchased. H&R Accounts is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.

What Is H&R Accounts Phone Number?

You likely want to call Credit Sage before deciding whether or not to call H&R Accounts. The reason? You may not want to pay H&R Accounts debt, especially if it's inaccurate. Paying it off could hurt your score.

Get H&R Accounts Removed From Your Report, Today!

In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.

Looking for help with H&R Accounts?

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