Express Recovery Services


Is Express Recovery Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Express Recovery Services?

Express Recovery Services, Inc. (ERS) aka Clear Management Solutions is a debt collection agency located in Salt Lake City, Utah. They specialize in recovering past-due payments on behalf of their clients.

If you find Express Recovery Services listed on your credit report as a collections account, it typically signifies an unpaid bill that has been transferred to them for collection.

Who does Express Recovery Services collect for?

Express Recovery Services primarily serves clients within the healthcare and utility sectors. These industries often deal with consumers who might delay or default on payments for services rendered. When internal recovery efforts are unsuccessful, these companies enlist agencies like Express Recovery Services to help recover the owed funds.

Is Express Recovery Services legit or a scam?

Express Recovery Services 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 Express Recovery from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Express Recovery Services, Inc. Contact Information


Express Recovery Services, Inc.
2790 Decker Lake Dr.
West Valley City, UT 84119

Mailing address:

Express Recovery Services, Inc.
PO Box 26415
Salt Lake City, UT 84126

Phone number: (800) 238-5888 or (801) 486-4182

Should I contact or pay Express Recovery Services, Inc.?

It’s best to avoid speaking to a debt 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.

The most effective way to deal with Express Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Express Recovery on behalf of their clients.

Will Express Recovery Services, Inc. sue me or garnish my wages?

Express Recovery Services, Inc., like other debt collection agencies, has the legal authority to file a lawsuit against individuals who owe an unpaid debt. If they win the lawsuit and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to remember that the decision to pursue legal action usually depends on factors such as the size of the debt, the likelihood of collecting the debt, and the specific policies of the collection agency. Legal action and wage garnishment are often last-resort measures due to the cost and time involved.

Express Recovery Services, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Express Recovery Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Express Recovery Services, Inc. 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Express Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Express Recovery Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Express Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Express Recovery From Your Credit Report Today!

Credit Saint can help you dispute Express Recovery collections. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.