If Vital Recovery Services is listed on your credit report, it usually means a debt has gone to collections. Here’s what you need to know—and how to handle it.
Who Is Vital Recovery Services?
Vital Recovery Services, LLC, also known as Vital Solutions, Inc., is a debt collection agency based in Berkeley Lake, Georgia. They work on behalf of businesses to recover unpaid debts from consumers.
If they appear on your credit report, it means they are trying to collect money tied to your name that the original creditor could not recover.
Who Does Vital Recovery Services Collect For?
Vital Recovery Services collects debts across several industries, including:
- Auto finance – Both prime and subprime car loans
- Credit cards and consumer loans – Including retail and bank-issued credit
- Government agencies – Collecting unpaid taxes or municipal service fees
- Real estate lenders – Recovering debts tied to mortgages or property-related loans
- Utility companies – Collecting unpaid gas and electric bills
If you have an unpaid account in any of these areas, your debt may have been sent to Vital Recovery Services.
Is Vital Recovery Services Legitimate?
Yes, Vital Recovery Services is a real debt collection agency. But even legitimate collectors can:
- Report incorrect information to credit bureaus
- Attempt to collect debts that aren’t valid
- Make errors when contacting consumers
Always verify any debt before making payments or arrangements.
How to Remove Vital Recovery Services From Your Credit Report
Collections can stay on your credit report for up to seven years, but there are ways to get them removed sooner:
- Dispute errors – If the information is inaccurate, file a dispute with the credit bureaus.
- Request debt validation – You can send a debt validation letter asking them to prove the debt belongs to you and that the balance is correct.
- Negotiate a pay-for-delete – Some collection agencies may agree to remove the account if you pay. Always get any agreement in writing first.
- Work with a credit repair service – Professionals can help challenge negative items and assist in improving your credit report.
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 Vital Recovery Services?
Before paying anything, confirm the debt is accurate and properly reported. Credit reports often contain mistakes, and paying a debt without verifying details can sometimes restart the collection process, depending on your state laws.
Many people choose to work with experienced credit repair companies to handle situations like this and avoid damaging their credit further.
Can Vital Recovery Services Sue You or Garnish Your Wages?
Yes, Vital Recovery Services can sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
That said, lawsuits are usually a last resort. Most collectors prefer to arrange payment plans or settlements to avoid the time and expense of legal action.
Complaints About Vital Recovery Services
Like many collection agencies, Vital Recovery Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). The most common issues include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Vital Recovery Services
Consumers are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws ensure fair treatment and accurate reporting.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof that the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Understanding your rights can help you handle these situations with confidence.
Vital Recovery Services Contact Information
Address:
Vital Recovery Services
4775 Peachtree Industrial Blvd, Suite 310
Berkeley Lake, GA 30092-3015
Phone:
(678) 578-1020
Get Help Removing Vital Recovery Services From Your Credit Report
Collection accounts can lower your credit score, but you don’t have to deal with them alone. Credit Saint has over 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from Vital Recovery Services.
They even offer a 90-day money-back guarantee for added peace of mind.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
