Innovative Recovery

Is Innovative Recovery hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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 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.

[*] Results are not typical or guaranteed.

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.

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?

It’s best to avoid speaking to a collection agency 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 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

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 Innovative Recovery

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Innovative Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Innovative 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.
  • Innovative Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Innovative Recovery From Your Credit Report Today!

Lexington Law can assist you in disputing Innovative Recovery collection 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.

[*] Results are not typical or guaranteed.