If Eagle Recovery Associates has shown up on your credit report, you’re not alone. Debt collectors like this can seriously impact your credit score—but there are ways to fix it.
Here’s what you need to know about Eagle Recovery Associates and how to remove their collection account from your credit report.
Who Is Eagle Recovery Associates?
Eagle Recovery Associates, Inc. is a debt collection agency based in Peoria, Illinois. They collect unpaid debts for businesses in several industries, including healthcare, retail, and business-to-business services.
If you see their name on your credit report, it means a company you owe sent the account to collections because of missed payments.
Who Does Eagle Recovery Associates Collect For?
Eagle Recovery Associates works with businesses from multiple sectors, such as:
- Healthcare providers – Unpaid medical bills from hospitals or clinics
- Retail and service companies – Past-due balances on credit cards or service contracts
- B2B accounts – Debts where one business owes money to another
Regardless of the source, once the account is in collections, it can drag down your credit score.
Is Eagle Recovery Associates Legitimate?
Yes, Eagle Recovery Associates is a legitimate debt collection agency. They’re authorized to collect on behalf of their clients.
That said, you should always verify the details before paying. Errors happen frequently with debt collections, so confirm everything in writing first.
How to Remove Eagle Recovery Associates From Your Credit Report
A collections account can stay on your credit report for up to seven years, even after you pay it. But you can take steps to remove it sooner:
- Dispute inaccuracies – If anything about the account is incorrect, dispute it with the credit bureaus. They are required to investigate.
- Request debt validation – You have the right to ask Eagle Recovery Associates to prove the debt is yours and that the amount is correct. They must respond within 30 days.
- Negotiate a pay-for-delete – Sometimes collectors agree to remove the account from your credit report if you settle or pay the debt. Always get this agreement in writing.
- Work with a credit repair company – Professionals can assist with disputing accounts and challenging negative marks on your credit report.
The faster you act, the sooner you can start improving your credit.
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 Eagle Recovery Associates?
Before contacting them or making any payments, confirm that the debt is accurate and still valid. Paying off a debt can sometimes reset the statute of limitations, depending on your state.
Many people work with a credit repair company to avoid dealing with collectors directly. These professionals help remove millions of negative items each year, including collection accounts from agencies like Eagle Recovery Associates.
Can Eagle Recovery Associates Sue You or Garnish Your Wages?
Debt collectors can take legal action over unpaid debts. If they win a lawsuit, they may be able to garnish your wages or use other legal tools to collect.
This typically only happens if you ignore the debt, so it’s important to verify the account and explore your options early. If legal action feels possible, talk to an attorney to protect your rights.
Complaints Against Eagle Recovery Associates
Eagle Recovery Associates has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or excessive contact
- Failure to provide proof of the debt
If you believe your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With Eagle Recovery Associates
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. Your rights include:
- The right to dispute false or incomplete information
- The right to request written validation of the debt
- Protection from harassment, threats, or abusive language
- Transparency about who the collector is and their purpose
- Protection from false threats of arrest or imprisonment
Knowing your rights can help you handle the situation with confidence.
Eagle Recovery Associates Contact Information
- Address: 2601 W Forrest Hill Ave, Peoria, IL 61604-1812
- Phone: (800) 706-3210 or (309) 272-4500
Remove Eagle Recovery Associates From Your Credit Report Today
Collections don’t have to hold you back. If you’re ready to take action, Credit Saint can help. They’ve been helping clients dispute negative items for over 15 years and even offer a 90-day money-back guarantee.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
