Is Dynamic Recovery Solutions Hurting Your Credit?

Updated

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If you’ve noticed Dynamic Recovery Solutions on your credit report, you’re likely dealing with a collections account. Dynamic Recovery Solutions (often listed as “dynrec services” or similar) is a debt collection agency based in Greenville, South Carolina, that works with businesses to recover unpaid debts.

Collections can drag down your credit score for years, so it’s important to know your options—and your rights.

Who Does Dynamic Recovery Solutions Collect For?

Dynamic Recovery Solutions (DRS) collects different types of debt for a wide range of industries, including:

  • Banks and lenders
  • Healthcare providers
  • Utility companies
  • Student loan servicers
  • Telecommunications companies
  • Retailers
  • Real estate services
  • Legal service providers

If you’ve fallen behind on payments in any of these areas, your account may have been sent to DRS for collections.

Is Dynamic Recovery Solutions Legitimate?

Yes, Dynamic Recovery Solutions is a legitimate debt collection company. They are authorized to collect debts on behalf of other businesses. However, even with legitimate collectors, mistakes happen. Always verify the debt is valid and belongs to you before sending payment.

How to Remove Dynamic Recovery Solutions From Your Credit Report

Collections accounts can remain on your credit report for up to seven years, making it harder to get approved for loans, credit cards, or rental housing. To try to remove DRS from your credit report:

  • Dispute Inaccurate Information: If the account is incorrect or doesn’t belong to you, file a dispute with the credit bureaus. They must investigate and correct any false information.
  • Request a Pay-for-Delete Agreement: Some collection agencies may agree to remove the account from your report if you pay the balance. Always get this agreement in writing.
  • Work With a Credit Repair Service: Professional credit repair companies challenge collections from agencies like Dynamic Recovery Solutions every day.

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 Dynamic Recovery Solutions?

Before reaching out or making any payments, confirm the debt is accurate and still legally collectible. Credit reports can contain errors, and paying a debt that’s expired or invalid can restart the collection timeline, making the situation worse.

Many people choose to have a credit repair professional handle communication with DRS to avoid costly mistakes.

Can Dynamic Recovery Solutions Sue You or Garnish Your Wages?

Like most debt collectors, Dynamic Recovery Solutions can sue you for unpaid debts. If they win the case in court, they may be able to:

  • Garnish your wages
  • Freeze your bank account
  • Place a lien on your property

Whether they can take these actions depends on your state laws. Not every unpaid debt results in legal action, and lawsuits are generally a last resort after other collection attempts fail.

Dynamic Recovery Solutions Contact Information

  • Address:
    Dynamic Recovery Solutions
    135 Interstate Blvd
    Greenville, SC 29615
  • Phone:
    (800) 313-2768

Complaints About Dynamic Recovery Solutions

Many debt collection agencies, including Dynamic Recovery Solutions, have complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:

  • Reporting incorrect information to credit bureaus
  • Failing to verify debts when asked
  • Harassment or repeated phone calls

If you’re experiencing any of these problems, you can file a complaint with:

  • CFPB: Visit consumerfinance.gov or call (855) 411-2372
  • BBB: Submit your complaint at bbb.org

Your Rights When Dealing With Dynamic Recovery Solutions

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights as a consumer. Here’s what to know:

  • You can dispute incorrect or incomplete information on your credit report.
  • You can request debt validation. The agency must prove the debt is yours and the amount is accurate within 30 days of your written request.
  • They cannot harass, threaten, or use abusive language.
  • They must clearly identify themselves as a debt collector during all communications.
  • They cannot threaten you with arrest or jail for unpaid debts.

If your rights are violated, report them to the CFPB or seek legal advice.

Remove Dynamic Recovery Solutions From Your Credit Report Today

If you’re dealing with Dynamic Recovery Solutions collections, help is available. Credit Saint has worked with thousands of people to challenge negative marks like DRS collections.

They even offer a 90-day money-back guarantee if no questionable negative items are removed from your credit report within the first 90 days. To qualify for the refund, you must stay active, submit ID within five days, make all payments, and avoid adding new negative marks during that time.

Want help removing Dynamic Recovery Solutions from your credit report? Visit their website or call (855) 281-1510 to get started.

Brooke Banks
Meet the author

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.