Innovative Recovery


Is Innovative Recovery hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Innovative Recovery?

Innovative Recovery is a debt collection agency based in Dallas, Texas. The agency works on behalf of various creditors to recover money owed by individuals or businesses.

If you see Innovative Recovery listed on your credit report, it generally means that you have a debt that has been transferred or sold to them for collection. This could happen if you have an unpaid bill, a defaulted loan, or any other type of debt that has not been paid as agreed.

Who does Innovative Recovery collect for?

Innovative Recovery provides debt collection services for a variety of original creditors. These may include financial institutions, healthcare providers, service providers, and more.

Is Innovative Recovery legit or a scam?

Innovative Recovery is a legitimate company. However, like any debt collection agency, they may engage in persistent communication attempts, such as phone calls, texts, or emails, to try to recover the debt. This doesn’t make them a scam, but it can be stressful and frustrating for the person being contacted.

How can I remove Innovative Recovery from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Innovative Recovery Contact Information


Innovative Recovery
5310 Harvest Hill Road
Dallas, TX 75230

Phone number: (844) 419-0102

Should I contact or pay Innovative Recovery?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Innovative Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Innovative Recovery on behalf of their clients.

Will Innovative Recovery sue me or garnish my wages?

Like other debt collection agencies, Innovative Recovery does have the legal right to sue you for an unpaid debt. If they win the lawsuit and a judgment is issued against you, they might be able to garnish your wages or take other collection actions depending on the laws in your state.

However, it’s important to note that the process of filing a lawsuit, winning a judgment, and then proceeding with wage garnishment can be time-consuming and expensive for the collection agency. Therefore, many debt collectors prefer to avoid this path if possible and are often open to negotiating a repayment plan or a settlement for less than the full amount owed.

Innovative Recovery Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Innovative Recovery

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Innovative 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Innovative Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Innovative Recovery must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Innovative Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Innovative Recovery From Your Credit Report Today!

Credit Saint can help you dispute Innovative Recovery collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.