Pivot Rock Solutions


Is Pivot Rock Solutions hurting your credit score?

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Who is Pivot Rock Solutions?

Pivot Rock Solutions, LLC is a debt collection agency based in Denver, Colorado. If you see their name on your credit report, it’s likely because they’ve been tasked with the recovery of an unpaid debt you owe.

Who does Pivot Rock Solutions collect for?

Pivot Rock Solutions offers its services to a wide range of clients in diverse industries. Their main goal is to recover unpaid debts on behalf of the original creditors, ensuring that these clients can recover as much of the owed money as possible.

Is Pivot Rock Solutions legit or a scam?

Pivot Rock Solutions is a legitimate company. However, their contact practices may be seen as intrusive or excessive, given that they may frequently reach out via phone calls, text messages, or emails.

How can I remove Pivot Rock Solutions from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Pivot Rock Solutions, LLC Contact Information


Pivot Rock Solutions, LLC
3605 S Tamarac Dr.
Denver, CO 80237-1411

Phone number: (855) 789-7988

Should I contact or pay Pivot Rock Solutions?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will Pivot Rock Solutions sue me or garnish my wages?

Pivot Rock Solutions does have the ability to sue you for the unpaid debt. If they decide to do so and are successful, they could potentially obtain a court order to garnish your wages or levy your bank account to recover the debt.

However, it’s essential to note that wage garnishment or bank levies are typically last resorts and involve numerous steps. The regulations regarding wage garnishment can significantly vary by state and by the type of debt.

Pivot Rock Solutions, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Pivot Rock Solutions, LLC

Pivot Rock Solutions must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Pivot Rock Solutions 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Pivot Rock Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Pivot Rock Solutions must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Pivot Rock Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Pivot Rock Solutions From Your Credit Report Today!

Credit Saint can help you dispute Pivot Rock Solutions collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.