National Recoveries, Inc.


Is National Recoveries, Inc. hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is National Recoveries, Inc.?

National Recoveries, Inc. (NRI) is a debt collection agency based in Arden Hills, Minnesota. They work on behalf of various entities to recover unpaid debts.

If NRI is listed on your credit report, it typically means that you have an unpaid debt that has been transferred or sold to them for collection.

Who does National Recoveries, Inc. collect for?

National Recoveries, Inc. services a wide range of sectors. They collect debts for the U.S. Department of Education. They also collect for companies in consumer retail, financial services, healthcare, large commercial businesses, membership organizations, municipalities, student loan providers, telecommunication companies, and utilities. Their role is to ensure these entities recover the money they are owed.

Is National Recoveries, Inc. legit or a scam?

National Recoveries, Inc. is a legitimate company. However, as part of their collections efforts, they may engage in frequent communication attempts, which could include repeated calls, texts, or emails.

How can I remove National Recoveries, Inc. 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.)

Ready to Raise Your Credit Score?

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

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

National Recoveries, Inc. Contact Information


National Recoveries, Inc.
14735 Highway 65
Ham Lake, MN 55304

National Recoveries, Inc.
4265 Lexington Ave N
Arden Hills, MN 55126

Phone number: (800) 685-3086

Should I contact or pay National Recoveries, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with National Recoveries, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Recoveries, Inc. on behalf of their clients.

Will National Recoveries sue me or garnish my wages?

As a debt collection agency, National Recoveries, Inc. does have the legal ability to sue you for non-payment of a debt. If they successfully win a lawsuit against you, depending on the laws of your specific jurisdiction, they may be able to garnish your wages or take other actions to collect the debt.

However, lawsuits are often seen as a last resort by debt collection agencies, as the process can be costly and time-consuming. Instead, they are generally more interested in working out a payment plan or settlement with you to resolve the debt.

National Recoveries, 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 National Recoveries, Inc. 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 National Recoveries, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 National Recoveries, Inc. 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.
  • National Recoveries, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • National Recoveries, Inc. 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.
  • National Recoveries, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove National Recoveries From Your Credit Report Today!

Credit Saint can assist you in disputing National Recoveries 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.