How to Remove Independent Recovery Resources From Your Credit Report

Is Independent Recovery Resources hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable negative information from their credit reports.

Who is Independent Recovery Resources?

Independent Recovery Resources, Inc. (IRR) is a debt collection agency located in Patchogue, New York.

You may see IRR listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Independent Recovery Resources collect for?

Independent Recovery Resources is a full-service collection agency that collects for companies in various industries.

Is Independent Recovery Resources legit or a scam?

Independent Recovery Resources, Inc. is a legitimate debt collection company. However, they may repeatedly spam call, text, or email you.

How can I remove Independent Recovery Resources 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.)

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, Lexington Law 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.

Call Lexington Law now to learn more: (800) 220-0084

Independent Recovery Resources (IRR) Contact Information

Address:

Independent Recovery Resources, Inc.
24 Railroad Ave
Patchogue, NY 11772

Phone number: (877) 593-4574 or (631) 758-3443

Should I contact or pay Independent Recovery Resources?

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 Independent Recovery Resources is to work with a credit repair professional. They have deleted millions of negative items from debt collectors like Independent Recovery Resources on behalf of their clients.

And they may be able to help you too.

Will Independent Recovery Resources sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Independent Recovery Resources again.

Call Lexington Law to learn how they can help you.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Independent Recovery Resources to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Independent Recovery Resources, 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). Lexington Law knows that you have rights, and Independent Recovery Resources does too.

Your Rights When Dealing with Independent Recovery Resources, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 Independent Recovery Resources to report inaccurate or incomplete information on your credit report.
  • 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.
  • Independent Recovery Resources may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Independent Recovery Resources 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.
  • Independent Recovery Resources cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Independent Recovery Resources From Your Credit Report Today!

Lexington Law can assist you in disputing Independent Recovery Resources collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.