If you’ve found Express Recovery Services listed on your credit report, you’re probably dealing with a collections account tied to an unpaid debt. Express Recovery Services, Inc., also known as Clear Management Solutions, is a debt collection agency based in Utah that works with businesses to recover past-due balances.
Collections can lower your credit score, but there are ways to handle the account—and possibly remove it from your report.
Who Does Express Recovery Services Collect For?
Express Recovery Services primarily works with companies in:
- Healthcare
- Utilities
If you’ve fallen behind on medical bills or utility payments, your account may have been turned over to Express Recovery Services for collection.
Is Express Recovery Services Legitimate?
Yes, Express Recovery Services is a legitimate debt collection agency. They are authorized to collect debts on behalf of other businesses. However, always verify the debt before making any payments to ensure the account belongs to you and the information is accurate.
How to Remove Express Recovery Services From Your Credit Report
Collections accounts can stay on your credit report for up to seven years. To remove Express Recovery Services from your report:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They are required to investigate and correct any inaccurate reporting.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing before making payment.
- Work With a Credit Repair Company: Many people hire credit repair professionals to help challenge negative marks from companies like Express Recovery Services.
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 Express Recovery Services?
Before contacting Express Recovery Services or making payments, confirm the debt is valid and still legally collectible. Credit reports often contain mistakes, and paying an old or invalid debt can sometimes restart the collection timeline, making the situation worse.
Many people choose to work with a trusted credit repair company to manage communication with Express Recovery and avoid common mistakes.
Can Express Recovery Services Sue You or Garnish Your Wages?
Debt collectors like Express Recovery Services can sue you for unpaid debts. If they win the lawsuit and get a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
The ability to take these actions depends on your state’s laws. Lawsuits and wage garnishment are usually last-resort options, as most agencies prefer to settle or set up a payment plan first.
Express Recovery Services Contact Information
- Office Address:
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:
(800) 238-5888 or (801) 486-4182
Complaints About Express Recovery Services
Like many collection agencies, Express Recovery Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report concerns
Your Rights When Dealing With Express Recovery Services
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with collection agencies. Your rights include:
- You can dispute inaccurate or incomplete information on your credit report.
- You can request debt validation. The agency must prove the debt is yours and that 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 when contacting you.
- They cannot threaten you with arrest or jail for unpaid debts.
If your rights are violated, report them to the CFPB or seek legal help.
Remove Express Recovery Services From Your Credit Report Today
Tired of dealing with Express Recovery Services on your credit report? You don’t have to manage it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like Express Recovery Services.
They even offer a 90-day money-back guarantee if no questionable negative items are removed from your report within the first 90 days.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
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.
