Southern Credit Recovery, Inc.


Is Southern Credit Recovery, Inc. hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Southern Credit Recovery?

Southern Credit Recovery, Inc. (SCR) is a debt collection agency based in Metairie, Louisiana. They specialize in collecting outstanding debts on behalf of their clients.

If Southern Credit Recovery, Inc. appears on your credit report as a collections account, it suggests that they are attempting to collect a debt associated with your name. This is usually the result of an unpaid bill that has been passed to them for collection.

Who does Southern Credit Recovery collect for?

Southern Credit Recovery serves a wide range of clients, including healthcare providers and various types of creditors. Their work with healthcare providers typically involves the collection of unpaid medical bills.

Working with other types of creditors, they deal with a variety of unpaid obligations, ranging from credit card debt to unpaid loans.

Is Southern Credit Recovery legit or a scam?

Southern Credit Recovery is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Southern Credit Recovery 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Southern Credit Recovery, Inc. (SCR) Contact Information


Southern Credit Recovery, Inc.
3228 6th Street Suite201
Metairie, LA 70002-1612

Mailing address:

Southern Credit Recovery, Inc.
P.O. Box 8710
Metairie, LA 70011-8710

Phone number: (866) 356-6954 or (504) 648-5600

Should I contact or pay Southern Credit Recovery, Inc.?

Before contacting a debt collector, 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 a collection agency like SCR is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southern Credit Recovery on behalf of their clients.

Will Southern Credit Recovery, Inc. sue me or garnish my wages?

Southern Credit Recovery, Inc. has the potential to initiate legal proceedings if other debt collection methods have been unsuccessful. This could include filing a lawsuit against you for non-payment of the outstanding debt.

If a lawsuit is filed and the court rules in their favor, the court may grant them a judgment that could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.

However, it’s essential to understand that a lawsuit is typically a last resort for debt collectors due to the costs and time associated with legal proceedings. Most debt collectors prefer to negotiate payment plans or other forms of resolution before resorting to legal action.

Southern Credit Recovery, Inc. 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 Southern Credit Recovery, Inc.

Debt collectors must follow state and federal laws. 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 Southern 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Southern Credit Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Southern Credit Recovery 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.
  • Southern Credit Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Southern Credit Recovery From Your Credit Report Today!

Credit Saint can help you dispute SCR 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.