If CRF Solutions appears on your credit report, it likely means a debt you owe has been turned over to collections. Here’s what you need to know about CRF Solutions, how they operate, and how to get their collections removed from your credit report.
Who Is CRF Solutions?
CRF Solutions, also known as Continental Recovery Services, is a debt collection agency based in Simi Valley, California. They focus on recovering unpaid debts for their clients.
If they’re listed on your credit report, it usually means an account you didn’t pay was assigned to them for collection.
Who Does CRF Solutions Collect For?
CRF Solutions primarily works with businesses that are owed money. They specialize in collecting commercial debt across different industries.
If you own a business or worked with a company and didn’t pay an outstanding balance, CRF Solutions may be trying to collect that debt.
Is CRF Solutions a Legitimate Company?
Yes, CRF Solutions is a real company authorized to collect debts for their clients. That said, always confirm the details before paying. Debt collection errors are common, and some debts may not belong to you or may already be settled.
How to Remove CRF Solutions From Your Credit Report
A collection account can lower your credit score and stay on your credit report for seven years. But there are ways to remove it:
- Dispute incorrect information – If there’s an error in the account details, you can file a dispute with the credit bureaus. They must investigate and fix any mistakes.
- Negotiate a pay-for-delete – If the debt is accurate, you can try to negotiate a pay-for-delete deal. That means paying the debt in exchange for having the account removed from your credit report.
- Work with a credit repair company – Professionals can challenge negative items and help improve your credit faster.
Dealing with collections early can help protect your credit score.
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 CRF Solutions?
Before reaching out to CRF Solutions, double-check that the debt is accurate and still within the statute of limitations. Credit reports sometimes show old or incorrect information.
Also, be cautious—making a payment can reset the clock on the debt, which could hurt your credit further.
Many people choose to work with credit repair experts instead. They help remove negative items from credit reports every year, including accounts from CRF Solutions.
Can CRF Solutions Sue You or Garnish Your Wages?
Debt collectors, including CRF Solutions, can take legal action to collect unpaid debts, but lawsuits are usually a last resort. Legal cases are expensive and time-consuming.
They’ll likely try phone calls, letters, or payment plans first. If they sue and win, they could garnish wages or take other legal actions, depending on your state laws.
Addressing the debt early helps avoid these situations.
CRF Solutions Contact Information
Address:
CRF Solutions
2051 Royal Ave
Simi Valley, CA 93065
Phone Numbers:
(800) 522-3858
(805) 522-3232
CRF Solutions Complaints
Many collection agencies, including CRF Solutions, have complaints filed with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB). Common complaints include:
- Incorrect reporting on credit reports
- Failure to validate debts
- Harassment or aggressive collection tactics
If you experience harassment or false reporting, you can file a complaint with these agencies.
Your Rights When Dealing With CRF Solutions
You have protections under state and federal law. The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) give you important rights:
- CRF Solutions cannot report false or incomplete information about you.
- You can request written debt validation within 30 days of first contact. They must prove the debt belongs to you and the amount is accurate.
- Harassment is illegal. They cannot use threats, excessive calls, or abusive language.
- They must clearly identify themselves as a debt collector, both in writing and over the phone.
- They cannot threaten arrest or jail time for unpaid debts.
Knowing your rights helps you handle collection accounts with confidence.
Get CRF Solutions Removed From Your Credit Report
If dealing with collections feels overwhelming, professional help is available. Credit Saint, a trusted credit repair company with over 15 years of experience, assists clients with removing inaccurate or damaging items from their credit reports, including accounts from CRF Solutions.
They even offer a 90-day money-back guarantee for extra peace of mind.
Want help improving your credit? Visit their website or call (855) 281-1510 to get started today.
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.
