Who is Immediate Credit Recovery?
Immediate Credit Recovery (ICR) is a debt collection agency with offices located in Marietta, Georgia, and Wappingers Falls, New York. They work to recover debts that have not been paid by individuals.
If ICR is listed on your credit report, it means they have purchased or have been assigned your unpaid debt. This often happens when you’ve defaulted on a loan or haven’t paid a bill and the original creditor has either sold the debt to a collection agency or contracted the agency to recover the debt.
Who does Immediate Credit Recovery collect for?
ICR primarily collects on behalf of healthcare institutions, government entities, and educational institutions. They are especially active in the collection of defaulted private and federal student loans, reportedly working with over 400 colleges and universities and the U.S. Department of Education.
Is Immediate Credit Recovery legit or a scam?
Immediate Credit Recovery, Inc. is a legitimate company. However, ICR may frequently call, text, or email you in their attempts to collect the debt
How can I remove Immediate Credit Recovery from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.
Immediate Credit Recovery (ICR) Contact Information
Address:
Immediate Credit Recovery, Inc.
3330 Chastain Meadows Pkwy NW Ste 100
Kennesaw, GA 30144-5881
Mailing address:
Immediate Credit Recovery, Inc.
PO Box 965156
Marietta, GA 30066
Phone number: (866) 401-7190 or (800) 234-4271
Should I contact or pay Immediate Credit Recovery?
It’s best to avoid speaking to a debt collector 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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Immediate Credit Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Immediate Credit Recovery on behalf of their clients.
Will Immediate Credit Recovery, Inc. sue me or garnish my wages?
Immediate Credit Recovery does have the legal right to sue you in an attempt to collect the debt. If they win the case, the court can issue a judgment against you, which may give them the right to garnish your wages or take money directly from your bank account, depending on your state’s laws.
However, taking legal action involves additional costs and time, so many collection agencies prefer to negotiate payment arrangements with debtors before resorting to these measures. It’s also important to note that there are federal and state laws that limit the amount that can be garnished from your income.
Immediate Credit Recovery, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Immediate Credit Recovery
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Immediate Credit Recovery 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Immediate Credit Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Immediate Credit Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Immediate Credit Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Immediate Credit Recovery From Your Credit Report Today!
Lexington Law can assist you in disputing Immediate Credit Recovery accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
