If Pivot Rock Solutions is listed on your credit report, it likely means a debt you owe has been turned over to collections. These accounts can lower your credit score and stay on your report for years if not addressed.
Here’s what you need to know about Pivot Rock Solutions and how to work toward removing them from your credit report.
Who Is Pivot Rock Solutions, LLC?
Pivot Rock Solutions, LLC is a debt collection agency based in Denver, Colorado. They work with businesses to recover unpaid debts from consumers.
If your account has been turned over to collections, Pivot Rock Solutions may report it to the credit bureaus as a collection account.
Who Does Pivot Rock Solutions Collect For?
Pivot Rock Solutions collects debts for businesses across different industries. Their clients may include:
- Retailers
- Service providers
- Financial institutions
If you see their name on your credit report, it likely means an unpaid account has been sent to collections by the original creditor.
Is Pivot Rock Solutions Legitimate or a Scam?
Pivot Rock Solutions is a legitimate, licensed debt collection agency. They are authorized to collect debts on behalf of their clients.
That said, never assume a debt is valid without proof. You have the right to request verification before paying or agreeing to anything.
How to Remove Pivot Rock Solutions From Your Credit Report
A collection account can stay on your credit report for up to seven years, but there are ways to try to remove it sooner:
- Dispute Inaccurate Information: Review your credit report carefully. If the balance, account details, or dates are incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: You can send a written debt validation letter to Pivot Rock Solutions. They must prove the debt is yours and the amount is accurate. If they can’t, the account must be removed.
- Negotiate a Pay-for-Delete: Some collection agencies agree to remove the account from your credit report in exchange for payment. It’s not guaranteed, but worth asking.
- Work With Credit Repair Experts: If handling collections feels overwhelming, professional credit repair companies can challenge inaccurate negative items on your behalf.
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 Pivot Rock Solutions?
Before paying anything, confirm the debt is accurate and legally collectible. Some debts fall outside the statute of limitations for legal action, and making a payment can restart the clock.
If you’re unsure how to proceed, working with a trusted credit repair company can help you avoid mistakes and protect your credit.
Can Pivot Rock Solutions Sue You or Garnish Your Wages?
Pivot Rock Solutions has the legal right to sue for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Levy your bank account
These actions depend on state laws and the amount owed. Lawsuits are typically a last resort, as legal action can be expensive for collection agencies. Most prefer to work out payment plans or settlements first.
How to Contact Pivot Rock Solutions, LLC
Here’s how to reach them:
- Address:
Pivot Rock Solutions, LLC
3605 S Tamarac Dr.
Denver, CO 80237-1411 - Phone Number:
(855) 789-7988
Complaints About Pivot Rock Solutions
Like many collection agencies, Pivot Rock Solutions has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Failure to verify debts
- Harassment or repeated calls
If your rights are being violated, you can file a complaint with these agencies.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. Your rights include:
- Debt collectors cannot report false or incomplete information to the credit bureaus
- You can request written proof of the debt with a debt validation letter
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collection agency when contacting you
- They cannot threaten arrest or legal action they don’t intend to pursue
Get Help Removing Pivot Rock Solutions From Your Credit Report
Dealing with collection accounts can be stressful. Credit Saint has over 15 years of experience helping people dispute inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for added peace of mind.
If you want help removing negative items from Pivot Rock Solutions or other collection agencies, they’re a trusted option to consider.
Visit their website or call (855) 281-1510 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.
