How to Remove National Credit Systems From Your Credit Report
If you’re hearing from a debt collection agency called Pioneer Credit Recovery, Inc., it is likely because you have defaulted on loan repayment or forgotten to pay a bill.
The likelihood of default is higher while we are in the midst of an economic crisis due to the COVID or Coronavirus pandemic.
In addition to constant phone calls, they will also appear on your credit report as reported by the three major credit reporting bureaus as a collection agency.
This can cause problems for your credit score and future financial goals as a borrower in the United States.
Collection accounts will continue to damage your credit score unless they are removed from your credit report.
Even if you pay the bill, a collection account on your credit report can impact your score for up to seven years.
Removing them as soon as possible is the best way to prevent them from wreaking havoc on your credit score for years to come.
For an in-depth guide on Pioneer Credit Recovery and how to get rid of them on your credit report, check out our article below.
What Is Pioneer Credit Recovery?
Also known as Pioneer Landing, the New York company Pioneer Credit Recovery is a medium-sized debt collection company that is headquartered in Arcade, NY but with offices in several other locations including New Jersey.
Originally founded in 2001, they collect debt on behalf of federal student loan servicers seeking payment on defaulted student loans, county and municipal courts, credit card issuers, government agencies such as the IRS, and more.
Pioneer Credit Recovery is a legitimate business and not a scam, but this doesn’t make working with them a pleasant experience.
They have almost 100 complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and about 136 with the Better Business Bureau (BBB.org). Though given an A+ accreditation, the consumer complaints are high.
These complaints are mostly in regard to inaccurate reporting, failure to validate debts, and harassment. In fact the Washington State Attorney General sued Navient and Sallie Mae for violating consumer rights in their abuse of collection services and confusing customers with collection fees. Since this legal action, The Department of Education has canceled its contract to collect student loan debt with PCR.
We also read several complaints saying PCR threatened legal action like wage garnishment. Even going so far as to garnish social security checks and income tax refunds.
If you experience anything like this while dealing with Pioneer Credit Recovery, you may consider filing a complaint too.
As a general disclaimer, the information in this article is not meant to serve as legal advice. Please seek legal counsel through a licensed law firm should your situation warrant it.
Steps to Remove Pioneer Credit Recovery from Your Credit Report
Most people don’t know where to start when it comes to dealing with a collection agency.
Luckily, there are a few simple steps that you can follow to ensure that Pioneer Credit Recovery stops harassing you and will remove the collection entry from your credit report.
Here are the essential steps to take to remove Pioneer Credit Recovery from your credit report once and for all:
- Know Your Rights
- Request Debt Validation
- Negotiate a Pay-For-Delete Agreement
- Hire a Professional
Understanding Your Rights
Debt collectors make their money by coercing you into making payments. They often do this through questionable tactics, such as harassment and threats.
Most people don’t know that they are actually protected from abuse such as this by the Fair Debt Collection Practices Act (FDCPA).
Because you can’t count on debt collectors to tell you about your rights, it is up to you to understand what is prohibited under the FDCPA.
The FDCPA prevents various forms of harassment, abuse, and deception from debt collectors. Some practices prohibited under the FDCPA include:
- Calling before 8 a.m. or after 9 p.m.
- Harassing you by telephone
- Using profane or abusive language
- Calling after you have requested that they only contact you through U.S. Mail
- Misrepresenting themselves when communicating with you
- Reporting false information to credit bureaus
- Contacting your friends, family, or place of work regarding your debt
Most debt collectors assume that people don’t know that they have rights under federal legislation, which is why most of them get away with treating their customers poorly.
By familiarizing yourself with your rights under the FDCPA, you are gaining an upper hand on Pioneer Credit Recovery.
Knowledge is power, and knowing your rights can help you keep Pioneer Credit Recovery in check.
Request Debt Validation
After you familiarize yourself with your rights under the FDCPA, your next step is to request debt validation.
You only have 30 days after Pioneer Credit Recovery’s first contact with you to do this, so it is essential that you don’t procrastinate.
The debt collection process isn’t perfect, and sometimes information about debts can get lost as they move from the original creditor to the third-party collector.
It is possible that the debt doesn’t even belong to you. The purpose of requesting debt validation is to confirm that Pioneer Credit Recovery has all of the correct information regarding your debt.
How To Remove Northland Group From Your Credit Report
To request debt validation, you will need to write a debt validation letter. This is a formal request for Pioneer Credit Recovery to verify the information associated with your debt.
In the letter, you will ask them to verify the name, balance, date of debt acquisition, and other pieces of information.
If they are unable to do so or have the incorrect information, you can dispute the debt with the three major credit bureaus.
They will remove the entry, and you can get out of paying the debt altogether.
Make a Pay-For-Delete Agreement
If you are unable to get the entry deleted because of inaccurate reporting, your next step would be to work out a pay-for-delete agreement.
These can be a longshot, but they are an option if you have exhausted all of your options.
A pay-for-delete agreement is when you offer to pay a portion of your debt in exchange for Pioneer Credit Recovery to stop reporting your debt to credit bureaus.
You can sometimes even get away with paying less than the full balance. This is because third-party collectors often purchase the debt for pennies on the dollar, so they only have to collect a portion of the debt in order to make their money back.
Start by offering to pay Pioneer Credit Recovery half of the debt. They will likely push back on this, so you will need to go back and forth with them until you reach a compromise.
It is important that they agree to delete the account. Having the account simply listed as paid will still impact your credit score. They have been known to create monthly payments based on your tax returns and other calculations.
Once you reach an agreement with Pioneer Credit Recovery, have them send you a written agreement that clearly states the terms.
Make your first payment only after you receive this document and approve of the language.
After you make your first payment, wait 30 days, and then check your credit report. You should notice that Pioneer Credit Recovery is no longer listed as an account.
If they do, reach back out and remind them that they are not upholding their end of the bargain.
Get a Free Copy of Your Credit Report
Hire a Professional
If you are unable to make a pay-for-delete agreement, it may be time to seek the help of a credit repair company.
A credit repair company can identify and challenge negative entries on your credit report and possibly have them removed.
In addition to cleaning up your credit report, they can review your financial habits and show you ways to help boost your credit score and improve your fiscal wellness.
While there are plenty of great credit repair companies out there, some are not reliable and can end up being a waste of time and money.
That’s why I recommend working with Credit Saint.
They have many years of experience and has helped their customers remove negative entries from their credit reports.
They are highly knowledgeable and have had tremendous success with debt collectors like Pioneer Credit Recovery.
They can help you clean up your credit report and boost your overall credit score.
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Pioneer Credit Recovery Contact Information
Here is Pioneer Credit Recovery’s most recent contact information:
- Address: 26 Edward St, Arcade, NY 14009
- Phone Number: (585) 492-1234
- Website: www.pioneercreditrecovery.com
Dealing with Pioneer Credit Recovery
No one enjoys dealing with debt collectors, but it is better to face them head-on than deal with their effect on your credit score.
Your credit report tells future lenders about your ability to pay back loans, so it is important that you clean up any dings on it to help your cause.
By taking the time to remove negative accounts that are dragging down your score, you are helping yourself get your credit score back on track.
I want to empower you to reach your financial goals this year.
For more information on how to boost your credit score, be sure to check out my full site for tips, tricks, and guides.
Make this the year that you achieve your goals and invest in your financial future.
How to Remove Phoenix Financial Services From Your Credit Report