How to Remove Nationwide Recovery Service from Your Credit Report
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Nationwide Recovery Service (NRS) and other collection agencies are not fun to deal with. They’ll call you at work or on your cell. They may even send text messages and emails.
But their impact on your credit score is far worse than their annoying phone calls.
If you want to remove NRS from your credit report, you must deal with the problem by exercising your consumer rights and using your debt as leverage.
To remove Nationwide Recovery Service from your credit report, follow our how-to guide below.
What is Nationwide Recovery Service?
Some debt collection agencies specialize in a specific sector of the economy but Nationwide Recovery Service works with a variety of industries.
If you owed money to a cable, Internet, or cell phone provider you could be hearing from NRS. If you left past-due balances for utilities at your last apartment, or if you never finished paying off a personal loan, you could be getting calls from NRS.
Some hospitals and medical clinics hire NRS to help them recover old medical bills.
This company has its corporate headquarters in Norcross, Ga., near Atlanta, and a big operations center in Cleveland, Tenn. But you could be hearing from an NRS agent in an area code near you because this company has call centers across the country. It may show up on your caller ID or credit report as Nationwide Recovery Systems, Ltd.
However you crossed paths with this collection agency, Nationwide Recovery Service can appear on your credit report as a collection account. This is because your original creditor has hired NRS to recover payments from you.
You may find that the same debt is listed twice in your credit history: once for the original creditor and once for Nationwide Recovery Service. Getting both these negative items removed can help restore your good credit.
Steps to Remove Nationwide Recovery Service from Your Credit Report
Ok. This is probably why you’re here. Millions of people remove negative entries from their credit report each year, and you can too.
Follow the steps below to remove Nationwide Recovery Service from your credit report for good:
- Know Your Rights
- Validate the Debt
- Negotiate a Settlement
- Work with a Professional
1. Know Your Rights
Debt collectors would rather you remain unaware of your consumer rights. They don’t want you to know federal law protects you from abuse.
When you take a phone call from NRS, the collections agent on the other end of the phone line has one goal: to convince you to read off your credit card number for full payment of the debt.
Legitimate debt collection agencies like NRS won’t usually break the law blatantly, but they also know you’re more likely to make a payment if you’re afraid. Account holders who don’t know their rights tend to be more afraid.
In reality, you have no reason to be afraid. The Fair Debt Collection Practices Act exists to prevent abuse and intimidation. By citing the law you can take control of the debt collection process.
Under the FDCPA, debt collectors may not:
- Contact you before 8 a.m. or after 9 p.m.
- Continue to call you after you ask that they stop.
- Use contact information you’ve asked them to stop using.
- Harass you or anyone else in regard to the debt.
- Use abusive, aggressive, or profane language.
- Contact your place of work.
- Threaten legal action that they can’t or won’t take.
- Misrepresent themselves when contacting you.
- Misrepresent information regarding the debt.
- Ignore a request for debt validation.
Understanding your rights under FDCPA will set you up for success as you deal with Nationwide Recovery Service.
By arming yourself with knowledge, you’ll interact with confidence and assurance.
2. Validate the Debt
When a company calls you and starts demanding money, you can’t know for sure whether you’re dealing with a scam artist or a legitimate debt collector.
What if you’ve already paid off the debt before it went into collections? What if the debt was never yours to begin with?
Debt collectors deal with a lot of accounts from a lot of different companies. Mistakes and miscommunications happen.
That’s why the FDCPA requires collection agencies to validate your debt. This process can verify that the debt belongs to you. It’s NRS’s job to prove you owe the money when you ask for validation.
If the agency can’t verify you owe the money by providing the documents that prove the debt is valid, it’ll have no choice but remove the negative items from your credit history and stop contacting you.
This strategy works only if you send a validation letter within 30 days of hearing from Nationwide Recovery Service. After 30 days, NRS can assume you accept the debt as valid, and the agency won’t be required by law to respond to your request.
How to Send a Debt Validation Letter
The best way to go about this is to send a debt validation letter. You can see my template here if helpful. Make sure you don’t leave out anything important such as your account number or Social Security number.
When you send the letter, be sure to specifically request a return receipt. This is how you know they have received your letter. You can file a complaint if they ignore you.
As I already said, it is essential to send the letter within 30 days of Nationwide Recovery Service’s first contact with you. If you don’t, they won’t be required to respond to your request.
Nationwide Recovery Service should respond to your request for validation with documents and evidence that the debt belongs to you. If they are unable to provide this, you are no longer legally responsible for the debt.
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They should contact all three major credit bureaus to remove the account from your credit report. If they do not, file a dispute with the credit bureaus yourself.
3. Negotiate a Settlement
If Nationwide Recovery Service does validate your debt, you’ll need another plan. I recommend negotiating a pay-for-delete settlement.
A pay-for-delete settlement is exactly what it sounds like. You offer to pay a portion of the balance due, but only if Nationwide Recovery Service agrees to remove your collection entry from your credit report.
Debt collectors will often settle for less than the full amount you owe, but they will never tell you this. Start by offering to pay half of the balance in exchange for a deletion. Once you come to an agreement with NRS, get the agreement in writing so that it’s official before sending payment.
Once you get the written agreement, make your first payment to Nationwide Recovery Service. Check your credit report 30 days after you make your payment to see if NRS still shows up on your report.
If it does, reach back out to them and remind them of your agreement. Send a copy of the letter that contains the agreement. It may also be worth it to file a dispute with the credit agencies or complain to the Consumer Financial Protection Bureau.
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4. If All Else Fails, Work With a Professional
If you are too busy to read about your rights, send validation letters, negotiate with collections agents, and follow up with the three major credit bureaus yourself, consider outsourcing this process to a credit repair company.
Professional credit repair companies specialize in removing negative accounts from your credit report for you. They’ll use the same strategies I outlined above, but they’ll work faster and more efficiently because they know the law. Some companies — like Lexington Law Firm — even have attorneys and paralegals on staff to work on your case.
Their primary goal is to clean up your credit report so you can reach your financial goals without a bad credit report dragging you down.
Credit repair companies will analyze your report and identify accounts that are causing your score to drop.
From there, they will handle communicating with the debt collectors and removing negative items from your credit report. They also follow up with the credit reporting bureaus.
A repair company will charge you a monthly fee, plus an initial set-up or consultation fee, to do this work on your behalf. Expect to pay at least $400 to $600 from start to finish for this service.
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Nationwide Recovery Services FAQs
I get emails and comments on blog posts that ask these questions almost every week:
Will Paying Off the Debt Help My Credit Score?
No, paying off the debt will not help your credit score. The negative item will simply move “active” to “paid” on your credit report.
Future lenders and financial services providers will still be able to see you had a bad debt that moved to collections at some point meaning the original creditor probably lost money. This red flag will factor into your future loans and service requests.
In fact, once a collection account is added to your credit report, your score will be damaged for up to seven years unless it is removed. Removing the entry from your credit report is the only way to reduce the impact on your credit score.
How Did NRS Get My Contact Information?
Some consumers get upset when their personal cell phone numbers or favorite email addresses start getting hit by a collections agency like NRS. They wonder how the agency got such personal information.
Usually, the information came from the original creditor’s files which is allowed by the NDCPA.
Will National Recovery Sue Me if I Don’t Pay?
Yes, NRS could sue you in civil court for financial damages because of your debt.
Unless the debt is exceptionally large — which is possible with medical bills — I’d be surprised if you got served with a lawsuit from NRS. But they do have that legal right.
A collection agency is more likely to try to scare you with the thought of a lawsuit even though the FDCPA prohibits these kinds of fear tactics.
You should also know that NRS cannot have you arrested or charged in the criminal courts according to the United States law.
Threatening you with jail or the loss of your rights is a violation of law and you should report this behavior to the Consumer Financial Protection Bureau which is part of the Federal Trade Commission.
How Do I Contact Nationwide Recovery Service?
I recommend communicating with NRS only through writing. Write the company’s corporate headquarters at:
- Address: 5655 Peachtree Parkway, Norcross, GA 30092
- Phone Number: 800-776-4600
Dealing with Nationwide Recovery Service
Nobody likes hearing from a debt collection agency — especially one whose collections account is pulling down your credit score.
But Nationwide Recovery Service has a particularly bad reputation based on customer complaints. NRS has more than 100 complaints with the Consumer Financial Protection Bureau (CFPB) and about 70 complaints filed with the Better Business Bureau (BBB).
Most people who complain say NRS violated the Fair Debt Collection Practices Act (FDCPA) by reporting debt inaccurately or failing to respond to debt validation requests.
The FDCPA gives you the right to choose which phone number a debt collection agency calls, what time you get phone calls, or whether you’d rather be contacted by mail only — a strategy we recommend and will discuss more below.
But unless you exercise your rights, Nationwide Recovery isn’t likely to protect you from credit reporting errors, harassing phone calls, and the negative effects of a collections account on your credit file. You have to protect yourself.
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