Performant Recovery

Is Performant Recovery hurting your credit score?

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

Who is Performant Recovery?

Performant Recovery, also known as Performant Financial, is a debt collection agency based in Livermore, California. They also acquired Premiere Credit of North America in August 2018, further expanding their operations.

If you see Performant Recovery listed on your credit report, it indicates that a debt you owe has been transferred to this agency for collection. This is typically the result of an unpaid bill, or in many cases with Performant, defaulted student loans.

Who does Performant Recovery collect for?

Performant Recovery has a particular focus on collecting student loan debt, which is a common type of debt in the United States. In addition, they also work on behalf of state and federal government entities to recover owed debts. Their clientele, therefore, includes both public sector institutions and individuals with outstanding educational loans.

Is Performant Recovery legit or a scam?

Performant Recovery is a legitimate company. However, part of their debt recovery process may involve repeated calls, texts, or emails, which can sometimes be perceived as spam or overly aggressive.

How can I remove Performant Recovery 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?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Performant Recovery Contact Information


Performant Recovery, Inc.
333 North Canyons Pkwy Ste 100
Livermore, CA 94551

Phone number: (866) 256-0057

Should I contact or pay Performant Recovery?

It’s best to avoid speaking to a 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 Performant Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Performant Recovery on behalf of their clients.

Will Performant Recovery sue me or garnish my wages?

Performant Recovery, like many debt collection agencies, does have the legal right to sue for unpaid debts. However, this is usually a last resort due to the time, cost, and resources involved.

If they choose to sue and are successful in their suit, they could potentially be granted a judgment against you. With this judgment, depending on the laws in your state, they could potentially garnish your wages to recover the debt.

Performant Recovery 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 Performant Recovery

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Performant Recovery 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.
  • Performant Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Performant Recovery 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.
  • Performant Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Performant Recovery From Your Credit Report Today!

Lexington Law can assist you in disputing Performant Recovery collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.