If FEDChex Recovery is showing up on your credit report, it usually means a past-due debt has been sent to collections. These accounts can damage your credit score and stay on your report for years if not handled the right way.
Here’s what to know about FEDChex Recovery and how to work toward removing them from your credit report.
Who Is FEDChex Recovery?
FEDChex Recovery, LLC is a debt collection agency based in Foothill Ranch, California. They help businesses recover unpaid debts from consumers.
If your name appears on their collection list, FEDChex Recovery may be reported on your credit report as a collection account.
Who Does FEDChex Recovery Collect For?
FEDChex Recovery specializes in collecting debts related to:
- Bounced checks
- Insufficient funds transactions
- Other payment issues tied to check processing
Their clients often include businesses that rely on check payments from customers. If you see FEDChex on your credit report, it likely means a check-related debt has been turned over to collections.
Is FEDChex Recovery Legitimate or a Scam?
FEDChex Recovery is a legitimate company authorized to collect debts for their clients. They often use phone calls, letters, or emails to contact consumers about unpaid accounts.
That said, never assume a debt is valid without proof. You have the right to request verification before paying or agreeing to anything.
How to Remove FEDChex Recovery From Your Credit Report
A collection account can stay on your credit report for up to seven years, but you have options to try to remove it sooner:
- Dispute Inaccurate Information: Review your credit report carefully. If the balance, dates, or account details are incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: You can send a written debt validation letter to FEDChex Recovery. They must prove the debt is yours and the amount is correct. If they can’t, the account must be removed.
- Negotiate a Pay-for-Delete: Some collection agencies agree to remove the account from your credit report in exchange for payment. It’s not guaranteed, but worth trying.
- Work With Credit Repair Experts: If handling collections feels overwhelming, professional credit repair companies can challenge inaccurate negative items on your behalf.
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 FEDChex Recovery?
Before making any payment, confirm the debt is valid and legally collectible. Some debts are past the statute of limitations, meaning you cannot be sued for them—but making a payment can reset that clock.
If you’re unsure how to proceed, working with a trusted credit repair company can help you avoid mistakes and protect your credit.
Can FEDChex Recovery Sue You or Garnish Your Wages?
FEDChex Recovery has the legal right to sue for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Levy your bank account
These actions depend on state laws and the size of the debt. Most collection agencies prefer to resolve debts through payment plans or settlements before resorting to legal action.
How to Contact FEDChex Recovery
Here’s how to reach them:
- Address:
FEDChex Recovery
27042 Towne Centre Drive, Suite 150
Foothill Ranch, CA 92610 - Phone Number:
(800) 992-6713
Complaints About FEDChex Recovery
Like many collection agencies, FEDChex Recovery has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Failure to verify debts
- Harassment or repeated calls
If you believe your rights are being violated, you can file a complaint with these agencies.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) give you protections when dealing with debt collectors. Your rights include:
- Debt collectors cannot report false or incomplete information to the credit bureaus
- You can request written proof of the debt with a debt validation letter
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collection agency when contacting you
- They cannot threaten arrest or legal action they don’t intend to pursue
Get Help Removing FEDChex Recovery From Your Credit Report
Collection accounts can lower your credit score and make it harder to get approved for loans or credit cards. If you want help removing negative items from FEDChex Recovery or other collection agencies, professional credit repair companies can assist.
Credit Saint has over 15 years of experience disputing inaccurate items on credit reports. They even offer a 90-day money-back guarantee for added peace of mind.
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.