Who is Investment Retrievers?
Investment Retrievers, Inc. is a debt collection agency and debt buyer based in Folsom, California.
If they appear on your credit report as a collections account, it implies that they have purchased your delinquent account from an original creditor and are now responsible for collecting the outstanding debt.
Who does Investment Retrievers collect for?
Investment Retrievers primarily operates as a debt buyer. They purchase portfolios of delinquent debt from lenders and credit card companies, often at a fraction of the original owed amount. Once they own these debts, they then take on the responsibility of collecting the outstanding amounts from the consumers.
Is Investment Retrievers legit or a scam?
Investment Retrievers, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Investment Retrievers 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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In addition to collections, they can help 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.
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Investment Retrievers, Inc. Contact Information
Investment Retrievers, Inc.
950 Glenn Dr. Ste 160
Folsom, CA 95630
Phone number: (916) 941-8851
Should I contact or pay Investment Retrievers, Inc.?
Nothing good can come from speaking to a debt 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 Investment Retrievers, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Investment Retrievers, Inc. on behalf of their clients.
Will Investment Retrievers, Inc. sue me or garnish my wages?
Investment Retrievers, Inc. can potentially sue if other debt collection attempts have been exhausted. If they successfully win a lawsuit and obtain a court judgment against you, they could garnish your wages as a method of debt recovery. However, this is typically a last resort due to the time, effort, and cost associated with legal proceedings.
Investment Retrievers, 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.
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 Investment Retrievers, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Investment Retrievers 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.
- Investment Retrievers may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Investment Retrievers 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.
- Investment Retrievers cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Investment Retrievers From Your Credit Report Today!
Credit Saint can assist you in disputing Investment Retrievers collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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