Pioneer Credit Recovery

Is Pioneer Credit 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 Pioneer Credit Recovery?

Pioneer Credit Recovery, Inc. is a debt collection agency based in Arcade, New York. It is a subsidiary of Navient Corporation, one of the major players in student loan servicing.

If Pioneer Credit Recovery appears on your credit report, it is a sign that you have defaulted on a debt, which could be a student loan or tax payment.

Who does Pioneer Credit Recovery collect for?

Pioneer Credit Recovery specializes in collecting debts related to defaulted student loans and past-due taxes. They often work with federal institutions such as the Department of Education and the Internal Revenue Service (IRS) to recover these debts. They may also collect unpaid fees and fines on behalf of these and other government agencies.

Is Pioneer Credit Recovery legit or a scam?

Pioneer Credit Recovery is a legitimate company. However, like many other debt collection agencies, they can be persistent in their attempts to collect debts, which may include frequent calls, texts, or emails. While these practices can be stressful, they are generally within their legal rights.

How can I remove Pioneer Credit 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.

Pioneer Credit Recovery, Inc. Contact Information


Pioneer Credit Recovery, Inc.
26 Edward St.
Arcade, NY 14009

Phone number: (800) 836-2442

Should I contact or pay Pioneer Credit 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 a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Pioneer Credit Recovery on behalf of their clients.

Will Pioneer Credit Recovery sue me or garnish my wages?

Pioneer Credit Recovery has the potential to sue for an unpaid debt. If they decide to sue and win the lawsuit, they could potentially be granted a court order to garnish your wages, levy your bank accounts, or take other collection actions to recover the debt as permitted by law.

However, whether they decide to sue can depend on a variety of factors. These factors can include the size of your debt, the potential cost of litigation, the likelihood of successfully collecting the debt, and the applicable statute of limitations for the debt, which can vary by state and by type of debt.

Pioneer Credit Recovery, 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 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 Pioneer Credit 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 Pioneer Credit 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.
  • Pioneer Credit Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Pioneer Credit 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.
  • Pioneer Credit Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Pioneer Credit Recovery From Your Credit Report Today!

Lexington Law can assist you in disputing Pioneer Credit Recovery 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.

Ready to Repair Your Credit?

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

[*] Results are not typical or guaranteed.