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Central States Recovery

 

Central States Recovery, also referred to as "Central State Recovery" is a collection agency which specializes in collecting unpaid physician and hospital debt for over 800 different hospitals and other medical institutions. Central States Recovery is known to report derogatory information on the consumers' credit report in their attempt to collect debt.

As collection agencies have been known to frivolously report negative information to the credit reporting agencies in their attempt to collect consumer debt, numerous laws to include the Fair Debt Collection Practices Act have been passed to protect the American consumer. Although these laws have been passed, many collection agencies are still known to operate illegally by using unscrupulous techniques in their attempt to collect consumer debt. To further protect the American consumer, other laws such as the Consumer Credit Protection Act have been passed that allow the consumer to dispute and potentially delete the marks placed on their credit file by collection agencies that employ techniques such as the frivolous reporting of negative information.

I had many collections, civil liens, charge offs and judgments being reported on my personal credit file that were damaging 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 Central States Recovery 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 Central States Recovery was more time consuming and annoying than I could have possibly pictured 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 the credit repair process wasn't going to be as effortless as I had originally thought. Quite the opposite, credit repair was proving to be extremely difficult.

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 Equifax and shows the deletion of one judgement and two collection accounts placed on my credit file by a collection agency similar to Central States Recovery.

Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Central States Recovery. 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.