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How to Remove Enhanced Recovery Company (ERC) From Your Credit Report

How To Remove Credence Resource Management From Your Credit Report

Within your financial journey, there will be times when you may forget about a bill or just don’t have the funds to pay your debt.

When this happens, the original lenders sell your debts to a collection company to get the bill paid.

There are many debt buyers in the United States, and most use the most annoying and relentless tactics possible.

If you’ve been dealing with unwanted phone calls from Enhanced Recovery Company, you’re probably eager to put an end to your relationship with the debt collection agency.

Outstanding debt can lead to more than annoying calls. It has the potential to tank your credit score and stay on your record as well.

If you’re unable to pay the debt, a collection account will be opened on your credit report, as reported by the credit reporting bureaus.

The information below can help you repair your credit and effectively end your contact with ERC Collections.

What Is ERC?

Based on their tactics, you might think Enhanced Recovery Company, LLC is a scam; however, it is a legitimate debt collection agency.

Headquartered in Jacksonville, Florida, the company’s nationwide debt collection efforts earned them a profit of more than $100 million last year.

ERC is one of the largest and most successful third-party debt collectors in the country, collecting for original lenders like telecommunications (cellphones), credit card companies, financial services like student loans, utility companies, and more.

They are also interested in business processing outsourcing and market research.

How Enhanced Recovery Company Works

When a company gives up on their attempts to collect unpaid bills, they often sell ownership of the debts to a collection agency, like ERC.

ERC is able to profit off these debts by purchasing them for pennies to the dollar. They then attempt to collect the full amount due from the debtor.

You can expect ERC to contact you by way of persistent phone calls, emails, texts, and letters.

If ERC makes it onto your credit report, it could potentially damage your score for up to 7 years.

As I mentioned above, your credit score helps lenders gauge your trustworthiness, so if you have a low score or no credit history, you’re less likely to either get a loan or one with lower interest rates.

We’ll give you pointers on getting the account removed from your credit report below, helping your score and overall financial portfolio.

Who Does ERC Collect For?

Before we get into how to deal with ERC, it’s important to know who you’re working with.

For starters, ERC may show up on your phone, in your mailbox, and on your credit report under several names, including:

  • Enhanced Recovery
  • ERC Company
  • Enhanced Recovery Co
  • Enhanced Recovery Company
  • ERC Collections
  • ERC Collection Agency
  • Enhanced Recovery Corp
  • Enhanced Recovery Group

Whatever name it’s operating under, the agency collects for major mobile/telecommunications providers like Sprint and AT&T.

Steps to Remove ERC from Your Credit Report

Getting the dreaded phone call from a debt collection agency or finding a big drop on your credit report can be disheartening.

While it’s important to act quickly to resolve the situation, there’s no need to panic.

With the tips below, you can settle your debts, protect your credit report, and part ways with ERC.

  1. Ask ERC to Validate Your Debt
  2. Consider Making a Payment to ERC Collections
  3. Get Professional Help

Ask ERC for Validation of Your Debt

The Fair Debt Collection Practices Act has another benefit, allowing you to demand evidence that a debt collection agency’s claim is a well-supported one.

Even if you do owe the amount they are requesting, ERC may not have the documentation it needs to validate that the debt and amount are accurate, since it isn’t the original creditor.

This is especially important as identity theft is on the rise. The debt could very likely be fraudulent, leaving you on the hook for someone else’s choices.

You can use this sample debt validation letter to request proof, as long as you do it within 30 days of first hearing from ERC.

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Sending in a validation letter could result in the company dropping its charge and removing the account from your credit report altogether.

If ERC has been in contact with you for more than 30 days, you might fare better with a different approach.

Get a Free Copy of Your Credit Report

Consider Making a Partial Payment to ERC

If the company is able to verify your debt or you’ve been in contact with ERC for more than a month, consider paying your debt, at least partially.

ERC may request $100 from you for an unpaid phone bill, but that doesn’t mean they won’t accept less.

Because collection agencies are able to buy debts at such a great rate, they’ll profit even if you negotiate a lower price in exchange for removing the collection account from your credit report.

A good starting point for negotiations is half the total amount you owe ERC. As always, the best practice is to negotiate with the agency by letter so your agreement is documented.

After you send in the agreed payment, you should monitor your credit report to ensure that it is updated accordingly.

If you don’t see a change within 30 days of making your payment, you should check with ERC to make sure they uphold their end of the deal.

Get Professional Help Dealing with ERC Collections

Getting ERC removed from your credit report can be a time-consuming and frustrating ordeal.

If you feel in over your head with your credit recovery or you’re simply over the hassle of dealing with ERC, seeking professional help might be a good idea.

Lexington Law has experts who can take on the burden of calling and writing to ERC so you don’t have to.

Since their team is dedicated to solving your credit problems, you can expect them to work quickly and efficiently, leaving little time for the account to do damage to your score.

There’s no reason a forgotten phone bill from years ago should have any effect on your future financial goals.

Whether you choose to write to the agency yourself or work with a company to improve your score, getting ERC removed from your credit report is simple.

Ask Lexington Law for Help

ERC Contact Information

Here is Enhanced Recovery Company’s contact information:

  • Address: 8014 Bayberry Rd, Jacksonville, FL 32256
  • Phone Number: (904) 371-1005
  • ​Website:

Enhanced Recovery Company Ratings

The Better Business Bureau ( rated ERC a B and has 944 consumer complaints lodged against them.

The Consumer Financial Protection Bureau (CFPB) records over 7,000 consumer complaints against them.

Both companies recorded complaints in regard to violating the FDCPA (Fair Debt Collection Practices Act)

Dealing With Enhanced Recovery Company

ERC is within its rights to seek payment for debts it has purchased legally, but you also have rights under the Fair Debt Collection Practices Act.

Under that act, you may choose to only interact with the agency via mail.

This mode of communication is recommended as it documents your case and holds the agency accountable to any agreements you make about repaying your debts and removing the account from your credit report.

Communicating by mail also helps to alleviate the stress of constant calls from the agency.

Along those lines, Enhanced Recovery has received more than 1,000 complaints filed with the Better Business Bureau (BBB). ERC received another 7,000 with the Consumer Financial Protection Bureau (CFPB).

A lot of these complaints are concerned with ERC’s failure to respond to requests for proof of debt and incorrect debt reporting.

These complaints highlight the need to document your conversations with ERC’s representatives even more.

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