If you’ve spotted “Cavalry SPV I LLC” on your credit report, you’re probably wondering who they are—and how to deal with them. Here’s everything you need to know about Cavalry Portfolio Services and how to protect your credit score.
What Is Cavalry Portfolio Services?
Cavalry Portfolio Services, LLC is a debt collection company headquartered in Valhalla, New York. They also have offices in Arizona, Oklahoma, and Minnesota. Their business focuses on buying and collecting defaulted consumer debt, including:
- Credit card balances
- Personal loans
- Auto loans
- Utility and telecom bills
- Payday and title loans
- Student loan accounts
You might see them listed on your credit report as Cavalry SPV I LLC—that’s the entity they often use when reporting to credit bureaus.
Who Does Cavalry Portfolio Services Collect For?
Cavalry doesn’t just collect debt for other companies—they buy debt portfolios, usually for pennies on the dollar. These debts typically come from major banks and lenders, such as:
- Bank of America
- Chase
- Citibank
They also purchase accounts from smaller lenders and service providers, including payday loan companies and cell phone providers.
Once they own the debt, they try to collect the full amount from you—and may add interest, fees, or penalties, depending on the original agreement.
Is Cavalry Portfolio Services Legit?
Yes, Cavalry Portfolio Services is a legitimate debt collector. However, that doesn’t mean every debt they report is accurate. Like many collection agencies, they’ve received complaints for aggressive tactics, frequent phone calls, and failing to properly verify debts.
Can You Remove Cavalry Portfolio Services From Your Credit Report?
A collection account can stay on your credit report for up to seven years—even if you pay it. But that doesn’t mean you’re stuck with it. Here are a few ways to remove it:
- Dispute errors: If the account details are inaccurate, outdated, or don’t belong to you, file a dispute with the credit bureaus.
- Send a debt validation letter: Ask Cavalry to prove the debt is real, that it belongs to you, and that the amount is correct. They’re legally required to respond.
- Negotiate a pay-for-delete: Offer to pay the debt (or a portion of it) in exchange for Cavalry removing the account from your credit report. Get any agreement in writing.
- Work with a credit repair company: Professionals can handle disputes, documentation, and negotiations on your behalf—especially if you have multiple negative items.
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Should You Contact or Pay Cavalry Portfolio Services?
Don’t rush to pay anything until you’ve confirmed that the debt is yours. Here’s why:
- The account may be inaccurate, already paid, or past the statute of limitations.
- Making a payment can restart the clock on old debt, making it collectible for longer.
- You may have leverage to settle the debt for less—or get it removed.
If you decide to engage, do it in writing and keep records. Avoid phone calls unless necessary, and never give them access to your bank account.
Can Cavalry Portfolio Services Sue You or Garnish Wages?
Yes, they can sue you—but that doesn’t mean they will. Legal action is usually a last resort because it costs them time and money. Still, if they do file a lawsuit and win, they could:
- Garnish your wages
- Place a lien on your property
- Freeze your bank account
If you receive a court summons, don’t ignore it. Respond by the deadline, and consider talking to a consumer attorney.
What Are Your Rights When Dealing With Cavalry?
Debt collectors have to follow strict laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what they can’t do:
- Report inaccurate information to the credit bureaus
- Refuse to validate the debt when you ask
- Harass, threaten, or intimidate you
- Call excessively or at odd hours
- Pretend to be someone they’re not
- Threaten jail or arrest for unpaid debts
If they cross the line, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
Cavalry Portfolio Services Contact Information
- Address:
Cavalry Portfolio Services, LLC
500 Summit Lake Drive, Suite 400
Valhalla, NY 10595 - Phone: (866) 483-5139
When reaching out, it’s best to send letters via certified mail with return receipt, so you have proof of communication.
Common Complaints Against Cavalry Portfolio Services
Like many collectors, Cavalry has received complaints to the CFPB and Better Business Bureau. Common issues include:
- Reporting accounts that aren’t accurate
- Failing to verify debts
- Aggressive or harassing communication
- Not honoring payment agreements
If you’ve experienced any of these, you can dispute the account and report the issue to the appropriate authorities.
Need Help Removing Cavalry From Your Credit Report?
Dealing with Cavalry Portfolio Services on your credit report can be frustrating—but you don’t have to handle it alone. Credit repair companies like Credit Saint have over 15 years of experience helping people challenge inaccurate or unfair collection accounts.
They’ve assisted thousands, and they offer a 90-day money-back guarantee if the service doesn’t meet your expectations.
Visit their website or call (855) 281-1510 to learn more.
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.
