If Cavalry SPV I LLC appears on your credit report, it means an old debt has been sold to a collection agency. Here’s what that means—and how to work toward removing them from your report.
Who Is Cavalry SPV I LLC?
Cavalry SPV I LLC, also known as Cavalry Portfolio Services, is a debt buyer and collection company based in Valhalla, New York. They also have locations in Phoenix, Arizona; Tulsa, Oklahoma; and St. Paul, Minnesota.
If they are listed on your credit report, it means they purchased your debt, usually from a credit card company, and are now trying to collect the balance.
Who Does Cavalry SPV I LLC Collect For?
Cavalry SPV I LLC purchases old debts from:
- Credit card companies
- Banks and financial institutions
- Lenders who could not collect the debt themselves
They buy these debts for a fraction of the amount owed and then pursue collection efforts.
Is Cavalry SPV I LLC Legitimate?
Yes, Cavalry SPV I LLC is a real debt collection company. But even legitimate collectors can:
- Report incorrect information to the credit bureaus
- Try to collect debts that don’t belong to you
- Make mistakes when contacting consumers
Always verify any debt before agreeing to make payments.
How to Remove Cavalry SPV I LLC From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but they may be removed sooner if you take the right steps:
- Dispute inaccuracies – If the account details are incorrect, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask for written proof that the debt belongs to you and the amount is accurate.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Always get any agreement in writing first.
- Work with a credit repair company – Professionals can help challenge negative items and work to improve 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 Cavalry SPV I LLC?
Before making payments, confirm the debt is valid and correctly reported. Credit reports often contain mistakes, and paying a debt without verifying the details can sometimes restart collection efforts, depending on your state.
Many people prefer to work with experienced credit repair professionals to avoid making costly mistakes when dealing with Cavalry SPV I LLC.
Can Cavalry SPV I LLC Sue You or Garnish Your Wages?
Yes, Cavalry SPV I LLC has the right to sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
That said, lawsuits are often a last resort. Most collectors try to arrange a payment plan or settlement to avoid the expense of legal action.
Complaints About Cavalry SPV I LLC
Like many collection agencies, Cavalry SPV I LLC has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or repeated calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Cavalry SPV I LLC
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair treatment.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof that the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Understanding your rights can help you handle collections confidently.
Cavalry SPV I LLC Contact Information
Address:
Cavalry Portfolio Services, LLC
500 Summit Lake Drive, Suite 400
Valhalla, NY 10595
Phone:
(866) 483-5139
Get Help Removing Cavalry SPV I LLC From Your Credit Report
Collection accounts can hurt your credit score, but you don’t have to deal with them alone. Credit Saint has over 15 years of experience helping people challenge inaccurate items on their credit reports—including accounts from Cavalry SPV I LLC.
They even offer a 90-day money-back guarantee for added peace of mind.
To get started, visit their website or call (855) 281-1510 for 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.
