If Clear Recovery shows up on your credit report, it likely means you have an unpaid debt that’s been sent to collections. Here’s what you need to know—and how to work toward getting them removed.
Who Is Clear Recovery?
Clear Recovery, Inc., also known as Merchants Credit Adjusters, Inc., is a debt collection agency based in Omaha, Nebraska. They help businesses recover money from individuals with past-due accounts.
If Clear Recovery appears on your credit report, they are attempting to collect a debt in your name that has not been paid.
Who Does Clear Recovery Collect For?
Clear Recovery works with a range of industries, including:
- Financial institutions – Collecting unpaid loans, credit card balances, or overdue accounts
- Government agencies – Recovering unpaid taxes, fines, or fees
- Healthcare providers – Collecting medical bills from hospitals, clinics, or private practices
- Utility companies – Collecting on overdue electric, gas, water, or waste management bills
If you owe money in any of these areas, your account may have been turned over to Clear Recovery.
Is Clear Recovery Legitimate?
Yes, Clear Recovery is a real debt collection agency. But even legitimate companies can:
- Report incorrect information to credit bureaus
- Try to collect debts that don’t belong to you
- Make mistakes when contacting consumers
Always verify the debt before agreeing to make payments.
How to Remove Clear Recovery From Your Credit Report
Collections can remain on your credit report for up to seven years, but they may be removed sooner with the right strategy:
- Dispute errors – If the account details are incorrect, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask for written proof that the debt belongs to you and the amount is accurate.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Always get the agreement in writing.
- Work with a credit repair company – Professionals can help challenge negative items and work to improve your credit report.
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 Clear Recovery?
Before making payments, confirm the debt is valid and accurately reported. Credit reports often contain mistakes, and paying a debt without verifying the details can sometimes restart collection efforts, depending on your state.
Many people choose to work with experienced credit repair professionals to avoid costly missteps when dealing with Clear Recovery.
Can Clear Recovery Sue You or Garnish Your Wages?
Yes, Clear Recovery has the legal authority to sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
That said, most collectors prefer to settle debts through payment plans rather than pursue legal action, which can be expensive and time-consuming.
Complaints About Clear Recovery
Clear Recovery, like many collection agencies, has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Clear Recovery
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair treatment.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Understanding your rights helps you handle the situation with confidence.
Clear Recovery Contact Information
Address:
Clear Recovery, Inc.
4005 S 148th St.
Omaha, NE 68137
Phone:
(402) 391-3933
Take the First Step Toward Better Credit
A collection account can lower your credit score and limit your financial options—but it doesn’t have to stay that way.
Credit Saint has years of experience helping people remove inaccurate or unfair items from their credit reports, including collections from companies like Clear Recovery. Their team can review your situation, dispute negative accounts, and help you work toward a stronger credit profile.
They even offer a 90-day money-back guarantee to give you added confidence.
If you’re ready to fight back against collections, call (855) 281-1510 for a free consultation or visit their website to get started.
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.
