If you see American Profit Recovery (APR) on your credit report, you probably have an unpaid debt that’s been sent to collections. While it’s a legitimate company, having any collection account can hurt your credit score. The good news? You may be able to remove it—and this guide shows you how.
Who Is American Profit Recovery?
American Profit Recovery, Inc. is a third-party debt collection agency with offices in Michigan and Massachusetts. They collect debts on behalf of various businesses across the country, including those in:
- Healthcare and dental services
- Financial institutions like banks and credit unions
- Business-to-business (B2B) and commercial lenders
- Educational institutions
- Veterinary clinics and animal hospitals
- Landscaping, restoration, and funeral services
If you’ve missed payments to one of these companies, APR may now be managing the account.
Is American Profit Recovery Legit?
Yes, American Profit Recovery is a real debt collection agency. They’re legally authorized to collect debts. But just because a company is legitimate doesn’t mean you should pay right away. Always verify that the debt is yours, that the amount is accurate, and that it’s still legally collectible.
Scammers sometimes pretend to be debt collectors, so double-check any correspondence before giving out personal information or sending money.
How to Remove American Profit Recovery From Your Credit Report
A collection account can stay on your credit report for up to seven years—but there are ways to get it removed sooner:
1. Dispute Any Errors
Start by checking your credit reports from all three major credit bureaus. If anything about the account is inaccurate—such as the balance, dates, or ownership—you have the right to file a dispute. The credit bureaus must investigate and remove incorrect information.
2. Request Debt Validation
You can also send APR a debt validation letter. This forces them to prove the debt is yours and that they have the legal right to collect it. If they can’t provide proper documentation within 30 days, they must stop collecting and remove the entry.
3. Negotiate a Pay-for-Delete
If the debt is valid, you can try negotiating a pay-for-delete agreement. In this arrangement, you offer to pay part or all of the balance in exchange for having the collection account removed from your credit report. Get the agreement in writing before making a payment.
4. Work With a Credit Repair Company
If you’re overwhelmed or not sure where to start, a reputable credit repair company can help. They specialize in disputing collection accounts and often have success removing them entirely.
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 American Profit Recovery?
It’s smart to be cautious. If you contact the agency or make a payment without confirming the debt, you could reset the statute of limitations—meaning you’d give them more time to sue or report it.
Make sure the debt is valid, still within the statute of limitations, and accurately reported before taking action. If you’re unsure, speak with a credit expert or consumer attorney first.
Can American Profit Recovery Sue You or Garnish Your Wages?
Yes, APR can take legal action if you ignore the debt. If they sue and win a judgment against you, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
That said, lawsuits are usually a last resort. Most agencies prefer to settle or negotiate a payment plan.
Common Complaints About American Profit Recovery
Like many debt collectors, APR has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate information
- Failing to verify debts
- Aggressive or harassing communication
If you’ve experienced any of these problems, you have the right to file a formal complaint and request an investigation.
Know Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair treatment and inaccurate reporting. Under these laws:
- Debt collectors must be honest and respectful
- You have the right to request debt validation
- They can’t threaten you with arrest or use abusive language
- They must stop contacting you if you ask in writing
- They can’t publish or shame you for unpaid debts
If American Profit Recovery violates these rules, you can report them to the CFPB or your state’s attorney general.
How to Get American Profit Recovery Removed Today
If APR is listed on your credit report, Credit Saint may be able to help. They’ve helped thousands of clients remove negative marks—and they back their service with a 90-day money-back guarantee if you’re not satisfied with the results.
Call (855) 281-1510 or visit their website to schedule a free consultation.
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.
