Is Nationwide Recovery Service Hurting Your Credit?

If you spotted Nationwide Recovery Service on your credit report, you’re probably wondering how it got there—and how to deal with it. Let’s break down who they are, how they operate, and what your options are to protect your credit.

Who Is Nationwide Recovery Service?

Nationwide Recovery Service (often listed as NRS) is a legitimate debt collection agency based in Cleveland, Tennessee, with a corporate office in Norcross, Georgia. Their job is to collect unpaid debts on behalf of other companies.

If they appear on your credit report, it usually means they’re trying to collect on a debt you owe.

Who Does Nationwide Recovery Service Collect For?

Nationwide Recovery Service mainly collects medical debt. They work with:

• Hospitals
• Doctor’s offices
• Dental practices
• Clinics
• Other healthcare providers

That means if you’ve had an unpaid medical bill, it could end up with them.

Is Nationwide Recovery Service a Scam?

Nationwide Recovery Service is not a scam. They’re a real debt collector, legally allowed to collect money for their clients. But that doesn’t mean you should take their word for it. Always verify the debt before making any payments.

How to Remove Nationwide Recovery Service From Your Credit Report

A collection account can lower your credit score and stay on your report for up to seven years. But there are ways to remove it:

• Dispute Errors: If the account is incorrect or outdated, dispute it with the credit bureaus.
• Request Debt Validation: You have the right to ask Nationwide Recovery Service to prove the debt is yours and the amount is accurate.
• Negotiate a Pay-for-Delete: Offer to pay the debt in exchange for them removing the account from your credit report. Get this agreement in writing before sending any money.
• Work With a Credit Repair Service: Professionals can help dispute inaccurate or questionable items on your report, including collections from NRS.

Should You Contact or Pay Nationwide Recovery Service?

Be careful before jumping on the phone or sending payment. First, confirm:

• The debt is yours
• The amount is accurate
• The debt is still within the statute of limitations in your state

In some cases, paying a collection can reset the clock on how long it impacts your credit. It’s smart to talk to a credit expert before making any decisions.

Can Nationwide Recovery Service Sue You or Garnish Your Wages?

Yes, they can sue you for unpaid debts. If they win a lawsuit, they could get a judgment that allows them to garnish your wages or take other legal steps to collect the money. This usually happens after they’ve tried other collection methods.

Nationwide Recovery Service Contact Information

Here’s how to reach them:

Corporate Office:
Nationwide Recovery Service
5655 Peachtree Parkway
Norcross, GA 30092

Operations Center:
Nationwide Recovery Service
545 West Inman Street
Cleveland, TN 37311

Phone: (800) 776-4600

Nationwide Recovery Service Complaints

Nationwide Recovery Service has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

• Incorrect information on credit reports
• Failure to validate debts
• Harassing phone calls

If you believe your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Nationwide Recovery Service

You have protections under federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws say:

• Nationwide Recovery Service cannot report false or incomplete information about you
• You can request debt validation within 30 days of being contacted
• They cannot harass you, use obscene language, or make false threats
• They must be upfront about who they are and why they’re contacting you
• They cannot threaten arrest over unpaid debts

If they break these rules, you have the right to take action.

Need Help Removing Nationwide Recovery Service From Your Credit?

Dealing with collections can be frustrating, but you don’t have to handle it alone. Credit Saint offers professional help with disputing accounts like Nationwide Recovery Service. They’ve helped thousands of people tackle inaccurate credit report items—and they even offer a 90-day money-back guarantee for peace of mind.

Want expert help cleaning up your credit? Visit their website or call (855) 281-1510 to get started.