If Ideal Collection Services is showing up on your credit report, it usually means an unpaid debt has been sent to collections. These types of accounts can damage your credit score and make it harder to qualify for loans, credit cards, or rental housing.
Here’s what you need to know about Ideal Collection Services and how to get them removed from your credit report.
Who Is Ideal Collection Services, Inc.?
Ideal Collection Services, also known as Ideal Recovery & Collection, is a debt collection agency based in Tampa, Florida. They work with businesses, primarily in the rental housing industry, to collect unpaid debts from consumers.
If you owe money from a previous lease or rental agreement, Ideal Collection Services may be the agency reporting the account to the credit bureaus.
Who Does Ideal Collection Services Collect For?
Ideal Collection Services focuses on debts related to apartment complexes and property management companies, such as unpaid rent, broken lease fees, or outstanding balances after move-out
If you left an apartment owing money, there’s a good chance the property manager turned your account over to Ideal Collection Services for collection.
Is Ideal Collection Services Legit or a Scam?
Ideal Collection Services is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. However, mistakes happen—always verify the debt before making payments or agreeing to any arrangements.
How to Remove Ideal Collection Services 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 have the right to ask Ideal Collection Services to provide 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 and have the account removed. Always get the agreement in writing.
- Work with a credit repair professional: Experts can help challenge inaccurate or unfair negative items and improve your chances of removal.
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 Ideal Collection Services?
Before contacting Ideal Collection Services or making a payment:
- Verify the debt belongs to you
- Confirm the amount is correct
- Understand your state’s laws, including the statute of limitations
Paying off a collection account without a clear plan can sometimes reset the reporting timeline, keeping the item on your credit report longer. Many people work with credit repair professionals to handle the situation properly.
Can Ideal Collection Services Sue You or Garnish Your Wages?
Yes, Ideal Collection Services has the legal right to sue for unpaid debts. If they win in court, they may:
- Garnish your wages
- Levy your bank accounts
The ability to take these actions depends on your state’s laws. Lawsuits are typically a last resort, as most collection agencies prefer to resolve debts through payment plans or settlements.
Ideal Collection Services Contact Information
Address:
Ideal Collection Services
5223 Ehrlich Rd
Tampa, FL 33624
Mailing Address:
P.O. Box 272407
Tampa, FL 33688
Phone Numbers:
(800) 959-0141
(813) 920-0141
Ideal Collection Services Complaints
Like many debt collectors, Ideal Collection Services has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive phone calls
- Failure to verify debts
If your rights are being violated, you can file a formal complaint and dispute the information.
Your Rights When Dealing with Ideal Collection Services
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect consumers from unfair collection practices:
- You can dispute inaccurate items on your credit report
- You can request written debt validation within 30 days
- Debt collectors cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a collection agency
- They cannot threaten arrest or legal actions they aren’t authorized to take
Understanding your rights makes it easier to deal with collections and protect your credit.
Get Ideal Collection Services Removed from Your Credit Report
If Ideal Collection Services 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 added peace of mind.
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.
