Choice Recovery

Who is Choice Recovery?

Choice Recovery, Inc. (CRI), also known as First Federal Credit Control, is a debt collection agency located in Columbus, Ohio. They manage and collect unpaid debts on behalf of original creditors.

If you find Choice Recovery listed on your credit report, it likely signifies an unpaid debt that has been turned over to them for collection.

Who does Choice Recovery collect for?

Choice Recovery provides its collection services to a variety of sectors. This includes government entities, healthcare providers, higher education institutions, and industrial clients.

They collect on an array of debts – from unpaid tuition or student loans, overdue medical bills, to unpaid fees or fines from government services and delinquent accounts within the industrial sector.

Is Choice Recovery legit or a scam?

Choice Recovery is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Choice Recovery from my credit report?

Choice Recovery collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Choice Recovery, Inc. Contact Information

Addresses:

Choice Recovery, Inc.
1105 Schrock Road, Suite 700
Columbus, OH 43229

Choice Recovery, Inc.
1550 Old Henderson Road, Suite 100
Columbus, OH 43220

Phone number: (614) 358-9900 or (800) 559-9277

Should I contact or pay Choice Recovery?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Choice Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Choice Recovery on behalf of their clients.

Will Choice Recovery sue me or garnish my wages?

Choice Recovery has the legal right to sue you for the unpaid debt. If they successfully obtain a judgment against you, they may then have the ability to garnish your wages, or take other actions depending on your state’s laws.

However, it’s crucial to remember that these actions are usually a last resort. The process of filing a lawsuit can be expensive and time-consuming, so most debt collectors would rather negotiate a repayment plan before resorting to legal action.

Choice Recovery, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Choice Recovery, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for Choice Recovery to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Choice Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Choice Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• Choice Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Choice Recovery From Your Credit Report Today!

Credit Saint can assist you in disputing Choice Recovery accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.