Is ConServe hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is ConServe?

Continental Service Group, Inc., commonly known as ConServe, is a debt collection agency and accounts receivable management company that is headquartered in Fairpoint, New York.

If you come across ConServe on your credit report as a collections account, this typically means you have an unpaid bill or student loan debt.

Who does ConServe collect for?

ConServe collects debts on behalf of a wide variety of industries. These include commercial businesses, financial institutions, government agencies, and higher educational institutions, notably for student loan debt recovery.

ConServe has been selected by the Internal Revenue Service (IRS) as one of four contractors responsible for collecting unpaid taxes under the IRS’ Private Debt Collection program.

Is ConServe legit or a scam?

ConServe is a legitimate debt collection 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 ConServe from my credit report?

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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

ConServe/Continental Service Group, Inc. Contact Information


200 CrossKeys Office Park
Fairport, NY 14450

Phone number: (800) 724-7500

Should I contact or pay ConServe?

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 ConServe is to work with a credit repair professional. They help remove millions of negative items every year from companies like ConServe on behalf of their clients.

Will ConServe sue me or garnish my wages?

ConServe, like any debt collection agency, has the legal capacity to sue for unpaid debts. If they choose to sue and the court rules in their favor, they could be granted a judgment that would potentially allow them to garnish your wages or levy your bank account.

However, wage garnishment is a serious measure that is usually considered a last resort. The process is also subject to various federal and state laws that protect consumers from excessive wage garnishment.

ConServe 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 you find yourself facing any of these situations with a debt collector, you should also 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 ConServe

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 ConServe 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.
  • ConServe may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • ConServe 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.
  • ConServe cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove ConServe Collections From Your Credit Report Today!

Lexington Law can assist you in disputing ConServe accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.