Who is International Credit Recovery?
International Credit Recovery, Inc., commonly referred to as ICR, is a debt collection agency that operates out of Vestal, New York. They are known for their involvement in the debt collection process, which typically starts after an individual has defaulted on a payment or series of payments.
If you see ICR listed on your credit report, it likely indicates that there has been a debt which was not paid, and the original creditor has transferred or sold the debt to this agency for collection.
Who does International Credit Recovery collect for?
International Credit Recovery provides services to a wide variety of original creditors. They are tasked with the job of collecting overdue debts that have not been paid. This can include debts from credit card companies, medical bills, utility companies, or any other type of debt that could potentially go unpaid.
Is International Credit Recovery legit or a scam?
International Credit Recovery is a legitimate company. However, it’s important to remember that even legitimate collection agencies can be persistent, often using multiple contact methods such as phone calls, text messages, or emails to reach out to the debtor.
How can I remove International Credit 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.)
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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.
International Credit Recovery, Inc. Contact Information
Address:
International Credit Recovery, Inc.
300 Main St. Ste 11
Vestal, NY 13851
Phone number: (607) 748-4686
Should I contact or pay International Credit 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 International Credit Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like International Credit Recovery on behalf of their clients.
Will International Credit Recovery sue me or garnish my wages?
Debt collection agencies have the legal right to sue for unpaid debts, and if the court rules in their favor, they could garnish your wages or seize certain assets. However, this is typically a last resort and many collection agencies would rather work out a payment plan with you.
International Credit Recovery, 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.
The BBB has found patterns and a high volume of complaints regarding International Credit Recovery, Inc. collection activities for consumers on client accounts for Progressive Business Publications of Malvern, PA.
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 International Credit Recovery, 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 International Credit 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.
- International Credit Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- International Credit 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.
- International Credit Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove ICR Collections From Your Credit Report Today!
Lexington Law can assist you in disputing ICR 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.
