How to Remove Independent Recovery Resources, Inc. From Your Credit Report

Is Independent Recovery Resources, Inc. hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Independent Recovery Resources, Inc.?

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.

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.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from 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
24 Railroad Ave
Patchogue, NY 11772

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

Should I contact or pay Independent Recovery Resources?

Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to handle this is to work with a credit repair professional. They have deleted millions of negative items from debt collectors like Independent Recovery Resources for millions of clients nationwide.

And they may be able to help you too.

Will Independent Recovery Resources sue me or garnish my wages?

In their attempt to collect a debt, a collection agency may resort to litigation. However, if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. 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 avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that 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 you find yourself facing any of these situations with a debt collection agency, you should also 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.

There are strict regulations about what a collection agency can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • IRR must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
  • IRR cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove IRR Collections From Your Credit Report Today!

Lexington Law specializes in disputing IRR collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

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

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.