If Absolute Recovery Services has shown up on your credit report, it could be pulling down your credit score. Here’s how to handle this collection agency and the steps you can take to protect your credit.
Who Is Absolute Recovery Services?
Absolute Recovery Services, LLC is a debt collection agency based in Memphis, Tennessee. They collect unpaid debts for landlords and property management companies.
If you have unpaid rent, damage charges, or other lease-related debts, they may report a collection account to the credit bureaus, which can lower your credit score.
Who Does Absolute Recovery Services Collect For?
Absolute Recovery Services focuses on collecting debts tied to rental properties. This includes:
- Unpaid rent
- Damages that go beyond your security deposit
- Other lease-related charges left unpaid
If you moved out owing money, they may be the ones contacting you.
Is Absolute Recovery Services Legitimate?
Yes, Absolute Recovery Services is a real debt collection agency. But not every account they report is correct. Errors happen, and you have the right to request proof of the debt before making any payments.
Always confirm the details are accurate and that the debt belongs to you.
How to Remove Absolute Recovery Services From Your Credit Report
Collections can damage your credit score for up to seven years, but you have options to address them:
- Dispute Inaccurate Information: If the account is incorrect, outdated, or incomplete, file a dispute with the credit bureaus to have it removed.
- Request a Pay-for-Delete: Some agencies agree to delete the account in exchange for payment. Always get the agreement in writing before sending money.
- Work With a Credit Repair Company: Professionals can challenge collections and help clean up your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Absolute Recovery Services?
Before contacting them, verify the debt is legitimate and still within the statute of limitations in your state. Making a payment can restart the clock, keeping the account on your credit report longer.
Many people choose to work with credit repair experts who know how to handle agencies like Absolute Recovery Services and protect your credit.
Can Absolute Recovery Services Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they win the case, they could garnish your wages or levy your bank account, depending on your state’s laws.
That said, most collection agencies prefer to settle debts outside of court. Lawsuits are time-consuming and costly, so they’re typically a last resort.
Complaints About Absolute Recovery Services
Like many debt collectors, Absolute Recovery Services has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common issues include:
- Incorrect debt reporting
- Harassment or aggressive collection tactics
- Refusing to validate debts when requested
If you’re experiencing harassment or believe your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With Absolute Recovery Services
You’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws are designed to prevent unfair practices and protect your credit.
Here’s what your rights include:
- They cannot report false or incomplete information about you.
- You have the right to request debt validation within 30 days. They must prove the debt belongs to you and that the amount is correct.
- Harassment, repeated calls, threats, or abusive language are illegal.
- They must be clear about who they are and that they are trying to collect a debt.
- They cannot threaten arrest or jail for unpaid debts.
Absolute Recovery Services Contact Information
- Address: 1010 June Rd, Suite 202, Memphis, TN 38119
- Phone Number: (901) 507-3444
Remove Absolute Recovery Services From Your Credit Report Today
Dealing with collections can be overwhelming, but you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to clean up your credit, visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
