How to Remove Integral Recoveries From Your Credit Report

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If you’ve found Integral Recoveries on your credit report, it usually means they’re trying to collect on an unpaid debt—possibly from a government agency, healthcare provider, or another organization. Here’s how to deal with it and protect your credit score.

What Is Integral Recoveries?

Integral Recoveries, Inc. is a third-party debt collection agency based in Englewood, Colorado. They collect debts on behalf of other companies and government entities. If you’ve missed a payment, your account may have been sent to them for collection.

Who Hires Integral Recoveries?

Integral Recoveries works with a wide range of industries, including:

  • Government agencies
  • Hospitals and healthcare providers
  • Colleges and universities
  • Financial service companies
  • Utilities
  • Retail and commercial businesses

If you have unpaid bills in any of these areas, they could be the source of the collection.

Is Integral Recoveries a Legitimate Company?

Yes, Integral Recoveries is a real and legally authorized debt collector. That said, it’s important to confirm any debt they claim you owe. Just because a collection agency is legit doesn’t mean the debt is valid or correctly reported.

How to Remove Integral Recoveries From Your Credit Report

Collection accounts can hurt your credit for up to seven years. Here’s how to remove them:

  • Step 1: Check Your Credit Report – Look for any inaccuracies in how the debt is reported. Make sure the amount, dates, and creditor are correct.
  • Step 2: Dispute Errors – If anything looks wrong, file a dispute with each of the three major credit bureaus. They’re required to investigate.
  • Step 3: Request Debt Validation – Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request proof that the debt is yours. Send a written debt validation letter within 30 days of first contact.
  • Step 4: Negotiate a Pay-for-Delete – If the debt is valid, ask if they’ll remove the account in exchange for payment. Get any agreement in writing before paying.
  • Step 5: Consider Professional Help – If you’re overwhelmed or unsure, a credit repair service can handle the disputes and negotiations for you.

Ready to Clean Up Your Credit Report?

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

Should You Contact or Pay Integral Recoveries?

Only after confirming the debt is accurate and not expired. Paying an old debt can reset the statute of limitations in some states, which might make things worse for your credit. If you do pay, try to negotiate a pay-for-delete deal.

Can Integral Recoveries Sue You or Garnish Your Wages?

They can—but that doesn’t mean they will. If they sue and win a judgment, they may be able to garnish wages or freeze your bank account, depending on your state laws. But lawsuits are costly, so most agencies prefer to settle the debt or set up a payment plan before going to court.

What to Do If You’re Being Harassed

If Integral Recoveries is calling nonstop or using aggressive tactics, you’re not alone. Many consumers have filed complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

You’re protected by federal laws like the FDCPA and the Fair Credit Reporting Act (FCRA). These laws give you the right to:

  • Dispute inaccurate credit reporting
  • Request proof of the debt
  • Be treated respectfully and without harassment

Your Legal Rights Under the FDCPA

Debt collectors must follow the law. Here’s what Integral Recoveries cannot do:

  • Threaten arrest or legal action they can’t take
  • Call you repeatedly to harass or intimidate
  • Lie about who they are or why they’re contacting you
  • Refuse to verify the debt upon request
  • Report inaccurate information to the credit bureaus

You have the right to demand written proof of the debt and to file a complaint if they violate your rights.

Integral Recoveries Contact Information

  • Mailing Address:
    Integral Recoveries
    333 W Hampden Ave, Ste 650
    Englewood, CO 80110
  • Phone Number: (800) 660-8450

Need Help Removing Integral Recoveries From Your Credit Report?

Working with a trusted credit repair company can take the pressure off. Credit Saint has helped thousands of people remove inaccurate collections from agencies like Integral Recoveries—and they offer a 90-day money-back guarantee if they don’t get results.

To learn more, visit their website or call (855) 281-1510.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.