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Associated Recovery Systems

 

Associated Recovery Systems is a collection Agency based out Escondido, CA. Associated Recovery Systems is commonly known for their very aggressive collection techniques such as repetitive phone calls, collection letters and placing derogatory information on the consumer's credit file.

Federal laws have been put in place that grant collection agencies the ability to place derogatory marks on the consumers' credit report. This type of reporting by collection agencies leads to lower consumer credit scores and can prevent lenders from extending credit to borrowers that have these negative marks on their credit report. Even if a consumer is able to obtain financing with these marks on their credit report, the interest rate offered to them by a lender will certainly be much higher than if the consumer did not have these marks on their credit report. In order to protect the consumer, federal laws have also been put in place that grant consumers the ability to dispute and potentially remove the derogatory marks placed on their credit file by collections agencies. While protecting consumer rights, this also assists in the prevention of frivolous negative reporting by collection agencies.

I had numerous collections, charge offs and late payments being reported on my personal credit file that were lowering my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Associated Recovery Systems in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with collection agencies like Associated Recovery Systems was more time consuming and annoying than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. It didn't take long for me to realize that credit repair wasn't going to be a painless task to perform.

I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.

Here is one of the update letters I received from the credit bureaus. This one is from TransUnion and shows the deletion of one collection, one late payment and two civil judgments.

Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Associated Recovery Systems. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.