If you’ve spotted ConServe on your credit report, there’s a good chance it’s tied to a debt—often a student loan or tax bill—that’s gone to collections. And while seeing a collection account can be stressful, you do have options to deal with it and potentially remove it from your credit report.
Who Is ConServe?
ConServe, short for Continental Service Group, Inc., is a debt collection agency based in Fairport, New York. They work on behalf of lenders, government agencies, colleges, and even the IRS to collect unpaid debts.
If they show up on your credit report, it typically means an account you owed was sent to collections.
What Types of Debt Does ConServe Collect?
ConServe handles debt collection for:
- Federal and private student loans
- Government agencies, including the IRS
- Financial institutions
- Commercial businesses and service providers
Notably, ConServe is one of a few agencies chosen by the IRS to collect overdue federal tax debts under the IRS Private Debt Collection program.
Is ConServe a Real Company?
Yes, ConServe is a legitimate debt collector. They’re licensed and authorized to collect on behalf of their clients. That said, it’s smart to approach any collection notice with caution. Always confirm the debt is accurate and legally enforceable before you pay or communicate.
How to Remove ConServe From Your Credit Report
A collections account can stay on your credit report for up to seven years—even if you pay it. Here are your main options for getting it removed:
1. Dispute Any Inaccuracies
Start by checking your credit report for any errors. If the debt amount is wrong, the dates don’t match up, or it doesn’t belong to you, file a dispute with the credit bureaus. They have 30 days to investigate and respond.
2. Send a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask ConServe to prove the debt is real and that they have a legal right to collect it. If they can’t validate the debt, they must stop trying to collect and remove it from your credit report.
3. Try a Pay-for-Delete Agreement
This is when you offer to pay part or all of the debt in exchange for the account being removed from your credit report. Not all collectors will agree to this, and there’s no guarantee, but it’s worth asking for in writing before you pay.
4. Work With a Credit Repair Company
If you’d rather not deal with the dispute process on your own, a credit repair company can help. They know how to challenge collection accounts and may be able to get them removed faster or more effectively.
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 ConServe?
Don’t rush to call or pay ConServe just because they appear on your credit report. Here’s why:
- Check for accuracy first: You might not even owe the debt, or it could be too old to collect.
- Paying can reset the clock: In some states, making a payment on an old debt can restart the statute of limitations, which gives collectors more time to sue you.
- Get everything in writing: If you decide to pay, try to negotiate and document the terms clearly, especially if you’re aiming for pay-for-delete.
Can ConServe Sue or Garnish Wages?
Yes, they can take legal action—but it’s not automatic. If ConServe sues and wins in court, they could potentially garnish your wages or freeze funds in your bank account. This usually only happens after other collection attempts fail and is subject to both federal and state laws.
ConServe Complaints and Consumer Rights
Like many debt collectors, ConServe has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Trying to collect debts that aren’t owed
- Failing to validate debts
- Reporting inaccurate information
- Harassment or repeated calls
If you experience any of this, you can file a complaint with the CFPB or BBB and use your rights under the law to push back.
Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you the right to:
- Dispute inaccurate or outdated information on your credit report
- Request written verification of a debt
- Be treated fairly—collectors can’t harass you, use abusive language, or misrepresent themselves
- Receive written notice that they are a debt collector
- Avoid threats of arrest or legal action that aren’t actually happening
ConServe Contact Information
If you decide to reach out, here’s how to contact ConServe:
Address:
ConServe
200 CrossKeys Office Park
Fairport, NY 14450
Phone: (800) 724-7500
Get Help Removing ConServe From Your Credit Report
If dealing with collections feels overwhelming, you’re not alone—and you don’t have to face it by yourself.
Credit Saint specializes in disputing negative items, including accounts from ConServe, and has helped thousands of people clean up their credit. They also offer a 90-day money-back guarantee if you’re not satisfied with the outcome.
To learn more, visit their website or call (855) 281-1510.
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.
