How to Remove Enhanced Recovery Company From Your Credit Report

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Updated: 24th Sep 2020
Written by Drew Cheneler
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In this Article: Find out (step-by-step) how to remove Enhanced Recovery Company from your credit report. No hacks, no tricks, just straight actionable advice for you to stop those harassing calls.

Around the United States, consumers are constantly bombarded by phone calls from collection agencies. Consumers receive calls from Enhanced Recovery Company, which is a debt collection agency that is out to seek payments from you. Read carefully, if you do not act now, then you are putting your credit score into jeopardy.

Today, our team outlines the steps you need to take to remove them from your credit report and end your annoying relationship with ERC Collections.

Remove Enhanced Recovery Company from Credit Report

What is Enhanced Recovery Company LLC?

Enhanced Recovery Company (ERC) is a debt collection agency located in Jacksonville, FL with 2,500 employees. This massive financial conglomerate specializes in collecting past or overdue debt that you owe to credit card companies, lenders, financial institutions, student loan providers, or utility companies.

On your credit report, ERC may appear as:

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

Is Enhanced Recovery Company LLC Legit?

ERC is a 100% legal operation. What they do is protected and regulated under the Fair Debt Collection Practices Act (FDCPA) and the Federal Trade Commission (FTC). With over $100 million in annual revenue, they know their rights, and they know how to rightfully collect past or overdue debt.

Furthermore, they are a sitting member of the Association for Credit and Collection Professionals (ACAinternational.org) and accredited by the Better Business Bureau (BBB).

How Enhanced Recovery Works:

While they do not classify themselves as “debt buyers” they are contacted by large companies who have given up on collecting your outstanding debt.

ERC will purchase your debt for a fraction of the cost and will do everything they can to collect the entire principal that you owe. To do this, Enhanced Recovery will employ numerous techniques to collect your money. For the most part, you can expect phone calls (both home and mobile), text messages, emails, and letters.

Additionally, as outlined in the FDCPA, a collection agency can file lawsuits or sue you. Legally, they can do this; however, ERC does not file litigation, so you can take a deep breath and relax a little bit. Unfortunately, you still need to resolve this issue.

Looking Ahead: Stop ERC Phone Calls

Now that we know who ERC is and what they do, it is time to act. Why let them execute a full-court press? It is time to play a little bit of offense ourselves.

Follow this playbook step-by-step, and you will win this battle, or at least stop the annoying phone calls.

How to Deal with Enhanced Recovery Company (ERC):

While the Fair Debt Collection Practices Act protects and regulates reputable collection agencies, it also has the consumers best interest in mind. That is right, this act passed by Congress protects you!

How the FDCPA Protects Consumers:

  • Restricts Collection Agencies from using profane, threatening, or abusive language in their correspondence.
  • Collection Agencies cannot call consumers before 8:00 AM or after 9:00 PM 😊
  • Debt collectors cannot use language that misleads consumers or provide false information.
  • They cannot call you while you are working

So, the next time Enhanced Recovery Company LLC calls you, tell them you know your rights under the FDCPA and that you want all future correspondence to be done by mail.

Why?

Under the FDCPA, once you request for mail correspondence, they legally must stop calling you. While this solution stops the annoying phone calls, it does not get rid of your debt.

If you want expert advice on how to deal with collection agencies, then we recommend you partner with a reputable credit repair firm, like Credit Saint.

On your behalf, they will draft letters, identify removable collections, contact, and interface with ERC, so you do not have to. With their expertise and insight, you will resolve this credit issue in no time.

Now that we know how to stop calls from Enhanced Recovery let’s address the elephant in the room.

Should You Pay Enhanced Recovery Collection?

If you want to end the battle immediately, then pay ERC. After all, you owe the debt, and they own it. Whether you like it or not, you will have to pay off this debt eventually. However, there are a few things you can do to bring down the value of your overall debt, in other words – how to pay less.

How Can I Remove Enhanced Recovery Company from my Credit Report?

By now, we have a clear understanding of ERC and their operations. Furthermore, we know our rights under the FDCPA, and we know the severity of the situation we are in. Ultimately, if we do not resolve this situation (quickly), then your credit score will plummet. Below are three steps you can take right now to remove ERC from your credit report.

Step 1: Have ERC Verify the Debt is Yours

If ERC has not sent you verification documents, then the first thing you need to do is have them verify that the debt is actually yours.

Per the FDCPA, collection agencies are required to send verification documents to a consumer if they request. There are two key takeaways:

  • First, collection agencies struggle with verifying debt because the company they purchased the debt from failed to complete the necessary documents and or the information is wildly inaccurate. If they cannot validate your debt, then you do not have pay, and they will remove it from your credit report.
  • Second, as soon as a collection agency contacts you, you only have 30 days to request debt verification. If they reached out to you more than 30 days ago, then your window closed, and you need to pay the debt.

As you can see, time is of the essence. The quicker you can respond and request for verification, the better. However, most people are not aware of this caveat, and instead, play cat and mouse with the collection agency.

Step 2: Enhanced Recovery Pay for Delete 

Unfortunately, most people are outside the 30-day window and need another solution to resolve this issue. If this is you, then settle with a pay for delete agreement.

Most collection agencies are willing to settle for a lower total amount if you agree to pay a lump sum upfront. Why? They want to settle immediately, collect their money, and then move onto their next target.

Like you, they do not want to carry on a lengthy battle or resort to legal action to resolve this issue. Going to court is expensive, and after all, they are a business. Their primary motivation is to make money, so speed and efficiency are their driving factors. Below are three tips to ensure success:

  • Tip #1: Document everything. Verbal agreements are hard to justify, so make sure the entire deal is written and signed by both parties. This offers you protection and leverage in case anything wrong happens.
  • Tip #2: Depending on how much debt you owe, start negotiating between the 50% – 75% mark. The last thing you want to do is low ball ERC. If they accept great. If not, see what they propose and begin to craft your counteroffer. Eventually, you will both agree on a settlement.
  • Tip #3: After you pay your settlement, make sure to follow up every 15 – 30 days with ERC. You need to make sure they remove it from your credit report. This part is vital. Since you both signed an agreement, you can demand they fulfill their end of the contract. If need be, you can solicit legal help. But one way or another, ERC needs to remove it from your credit report. Once removed your credit score will increase

Step #3: Partner with a Reputable Credit Repair Company

Are you a full-time employee? What about a parent or student? Most people do not have time to worry about this issue and push it off to a later date. As you learned, pushing this off is not smart. It will only put your credit score in jeopardy.

Fortunately, there are reputable credit repair companies out there that will take this matter into their own hands – freeing you from the hassle. Credit Saint will make sure this is removed from your credit report immediately, and they are affordable compared to other options.

Related: Credit Saint Review

Wrapping Up: How to Remove Enhanced Recovery Company from Your Credit Report

By now, you should have a clear game plan for removing Enhanced Recovery from your credit report. As a consumer, you need to know your rights under the Fair Debt Collections Practice Act (FDCPA).

Utilize what you learned in this article and act. Do not wait around before you respond to Enhanced recovery. Be proactive, not reactive. Remember, ERC will not leave you alone until you both agree on an outcome. It is essential to resolve this issue as quickly as you can, so your credit score is not impacted.

Additional Reading: 

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, The Huffington Post, Business.com, Moneyunder30, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.