How to Remove H & R Accounts From Your Credit Report

If H & R Accounts or Avadyne Health shows up on your credit report, it likely means an unpaid medical bill has been sent to collections. Collection accounts can lower your credit score and make it harder to qualify for loans, credit cards, or even rental housing.

Here’s how to handle H & R Accounts and take steps to remove them from your credit report.

Who Is H & R Accounts?

H & R Accounts, Inc., also known as Avadyne Health, is a debt collection agency based in Moline, Illinois. They work with healthcare providers to collect unpaid medical debts. If you’ve fallen behind on medical bills, the account may have been turned over to H & R Accounts, resulting in a collections account on your credit report.

Who Does H & R Accounts Collect For?

H & R Accounts works with healthcare providers across the country, including:

• Hospitals
• Physicians’ offices
• Clinics and medical groups

The debts they collect often involve unpaid medical bills for treatments, procedures, consultations, or other healthcare-related services.

Is H & R Accounts a Scam?

No, H & R Accounts is not a scam. They are a legitimate, authorized debt collection agency. However, that doesn’t mean every account they report is valid. Always verify the debt before making a payment, as errors and incorrect reporting can happen.

How to Remove H & R Accounts from Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:

• Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
• Request debt validation: You can ask H & R Accounts to provide written proof the debt is valid. If they can’t, they must stop reporting the account.
• Negotiate a pay-for-delete: In some cases, you may be able to settle the debt in exchange for having the account removed. Always get this agreement in writing.
• Work with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and improve your chances of removal.

Should You Contact or Pay H & R Accounts?

Before reaching out to H & R Accounts or making a payment:

• Verify the debt belongs to you
• Confirm the amount is accurate
• Know your rights under your state’s laws, including the statute of limitations

Be careful—making payments without a clear plan can sometimes restart the collection timeline and hurt your credit further. Many people work with credit repair experts to handle the process properly.

Can H & R Accounts Sue You or Garnish Your Wages?

Yes, H & R Accounts has the legal right to sue for unpaid debts. If they win the lawsuit, they may:

• Garnish your wages
• Levy your bank accounts
• Place a lien on your property

These actions depend on your state’s laws. Lawsuits are typically a last resort, as most collection agencies prefer to work out payment plans or settlements before pursuing legal action.

H & R Accounts Contact Information

Address:
H & R Accounts, Inc.
5320 22nd Ave
Moline, IL 61265

Phone Number:
(309) 736-2255

H & R Accounts Complaints

Like many debt collectors, H & R Accounts has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate reporting
• Harassment or repeated calls
• Failure to verify debts

If you believe your rights are being violated, you can file a formal complaint and take steps to protect yourself.

Your Rights When Dealing with H & R Accounts

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors:

• You can dispute inaccurate information on your credit report
• You can request written debt validation within 30 days
• Harassment, threats, or abusive language is illegal
• Debt collectors must clearly identify themselves as a collection agency
• They cannot threaten arrest or legal actions they aren’t authorized to take

Knowing your rights makes it easier to handle collection agencies and protect your credit.

Get H & R Accounts Removed from Your Credit Report

If H & R Accounts is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.

Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.