Southern Credit Recovery, Inc.

Is Southern Credit Recovery, Inc. 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 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 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?

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

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

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.?

It’s best to avoid speaking to a debt collector 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 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

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 Southern Credit Recovery, Inc.

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Southern Credit Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Southern 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.
  • Southern Credit Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Southern Credit Recovery From Your Credit Report Today!

Credit Saint can assist you in disputing SCR collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.