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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Investment Retrievers, Inc. Contact Information
Address:
Investment Retrievers, Inc.
950 Glenn Dr. Ste 160
Folsom, CA 95630
Phone number: (916) 941-8851
Should I contact or pay Investment Retrievers, Inc.?
Before engaging with a collection agency, it’s important to confirm that the debt is valid and correctly listed on your credit report. Errors can happen, and sometimes debts that are no longer enforceable may still be reported. Keep in mind that making a payment could restart the statute of limitations and potentially hurt your credit.
A more effective approach to dealing with Investment Retrievers, Inc. is to seek help from a credit repair specialist. These professionals can assist in removing negative items, including those from companies like Investment Retrievers, Inc.
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
Many debt collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB), and Investment Retrievers, Inc. is no exception. Common complaints include inaccurate reporting, harassment, and failure to verify debts. If you’re experiencing any of these issues, filing a complaint may be an option.
You have several consumer protections under laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights allow you to dispute credit reporting errors and ensure you’re treated fairly by debt collectors.
Your Rights When Dealing with Investment Retrievers, Inc.
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Investment Retrievers cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Investment Retrievers 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.
- Investment Retrievers cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Investment Retrievers From Your Credit Report Today!
Credit Saint can assist you in disputing collection accounts from Investment Retrievers, Inc. With over 15 years of experience, they’ve helped numerous clients successfully remove inaccurate entries from their credit reports.
If you’re frustrated by debt collectors and want to improve your credit, working with a reputable credit repair company could be the solution.
Visit their website or call (855) 281-1510 for a free credit consultation and discover how they can help you today.
