What Is International Recovery Associates On My Credit Report?
International Recovery Associates 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 International Recovery Associates A Debt Collection Agency?
Yes, International Recovery Associates 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").
International Recovery Associates 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 International Recovery Associates Collect For?
International Recovery Associates 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 International Recovery Associates Hurt My Credit Score?
Yes, it is highly likely having International Recovery Associates on your credit report is damaging your score significantly.
How Do I Remove International Recovery Associates From My Credit Report?
To be eligible to remove International Recovery Associates 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 International Recovery Associates?
Paying off International Recovery Associates 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 International Recovery Associates?
Settling your debt with International Recovery Associates 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 International Recovery Associates Legit, Fake Or A Scam?
International Recovery Associates 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.
Why Do International Recovery Associates Keep Calling Me?
International Recovery Associates 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 International Recovery Associates To Stop Calling Me?
As we’ve mentioned above, International Recovery Associates 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.
International Recovery Associates Reviews And Complaints
International Recovery Associates has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will International Recovery Associates Try Suing Or Garnishing My Wages?
International Recovery Associates 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.
Does International Recovery Associates Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, International Recovery Associates does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With International Recovery Associates?
You have the right to dispute any of your debt that International Recovery Associates has purchased. International Recovery Associates 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 International Recovery Associates Phone Number?
You likely want to call Credit Sage before deciding whether or not to call International Recovery Associates. The reason? You may not want to pay International Recovery Associates debt, especially if it's inaccurate. Paying it off could hurt your score.
Get International Recovery Associates 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.