If you’ve noticed Enhanced Recovery Company on your credit report, you’re not alone. Enhanced Recovery Company, LLC (often called ERC or Enhanced Resource Centers) is a debt collection agency based in Jacksonville, Florida, with additional offices in Georgia and other locations worldwide.
If you have unpaid debts, ERC may appear on your credit report, but there are ways to handle it—and possibly remove them.
How ERC Might Appear on Your Credit Report
ERC can show up under several different names, including:
- enhanced rec co
- enhance recovery services
- enhanced recovery
- enhanced recovery co
- enhanced recovery corp
- enhanced recovery group
- erc collection agency
- erc collections
- erc company
- payerc com
- www.payerc.com
If you see any of these listed, it likely means your account was sent to collections.
Who Does Enhanced Recovery Company Collect For?
ERC collects debts for many industries, including:
- Banks and lenders
- Credit card companies
- Major telecommunications providers like AT&T and Sprint
- Other financial services
ERC often buys or collects debt on behalf of these businesses when payments go unpaid.
Is Enhanced Recovery Company Legitimate?
Yes, ERC is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. That said, you should always verify the debt is valid and belongs to you before making payments.
How to Remove Enhanced Recovery Company From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options to address them:
Work With a Credit Repair Company: Many people choose to hire credit repair professionals who regularly challenge collections from companies like ERC.
Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They must investigate and correct inaccurate reporting.
Negotiate a Pay-for-Delete: You may be able to settle the debt and have the account removed from your credit report. Always get any agreement in writing before making payment.
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 Enhanced Recovery Company?
Before contacting ERC or making payments, verify the debt is valid and still collectible. Credit reports often contain errors, and paying an old or invalid debt can sometimes restart the collection timeline, making things worse.
Many people prefer to work with a trusted credit repair company to manage communication with ERC and avoid costly mistakes.
Can Enhanced Recovery Company Sue You or Garnish Your Wages?
Like most collection agencies, ERC has the legal right to sue you for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
The ability to take these actions depends on your state’s laws. Lawsuits and wage garnishment are often last-resort measures, as most collectors prefer to settle the debt or work out a payment plan.
Enhanced Recovery Company Contact Information
- Address:
Enhanced Recovery Company, LLC
8014 Bayberry Rd
Jacksonville, FL 32256-7412 - Phone:
(904) 807-5200 or (800) 383-5979
ERC Complaints and Consumer Experiences
ERC has received many complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to verify debts
ERC currently holds a ‘B’ rating with the BBB despite the number of consumer complaints.
If you face similar issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: File a complaint at bbb.org
Your Rights When Dealing With ERC
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with ERC or any collection agency. You have the right to:
- Dispute inaccurate or incomplete information on your credit report
- Request debt validation within 30 days of being contacted; ERC must prove the debt is yours and accurate
- Be treated fairly; harassment, threats, or abusive language are illegal
- Be informed of who they are and that they are a debt collection agency
- Not be threatened with arrest or jail for unpaid debts
If ERC violates your rights, report them to the CFPB or consider seeking legal help.
Remove Enhanced Recovery Company From Your Credit Report Today
ERC collections weighing down your credit? You don’t have to deal with it alone. Credit Saint has helped thousands of people challenge negative items like ERC collections.
They even offer a 90-day money-back guarantee if no questionable negative items are removed from your report within the first 90 days. To qualify, you must stay active, submit your ID within five days, make all payments, and avoid adding new negative marks during the process.
Ready to get started? Visit their website or call (855) 281-1510 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.
