Choice Recovery on Your Credit Report? Fight Back and Win

Last Updated:
April 26, 2023

Are you getting what seems like nonstop phone calls, letters, or other forms of correspondence from a company called Choice Recovery? Maybe you didn’t get any phone calls or letters, and instead, you checked your credit report only to see the name Choice Recovery listed on it, leading to a big drop in your credit score. If you’re facing a situation that sounds like this, you aren’t alone. 

Choice Recovery is a debt collector, and along with dealing with disruptive and nuisance calls, you might also be facing financial consequences, possibly for a debt that isn’t even yours.

You can take steps to deal with Choice Recovery’s phone calls and get them off your credit report, so you’re no longer financially affected.

What Is Choice Recovery?

Choice Recovery is a debt collections company. You’re probably not familiar with the company name because they’re a third-party debt collector. Third-party collectors aren’t the original company that is owed a debt.

Instead, businesses, medical providers, and other organizations will hire third-party companies like Choice Recovery to collect for them. Sometimes, they purchase the debt outright from the company it’s owed to. Other times, companies will come to collectors like Choice Recovery and contract them to collect debts from consumers, and then they’ll pay them a percentage of what they can collect.

Why Is Choice Recovery Calling Me?

If you’re getting calls from Choice Recovery, it’s because they believe you owe a debt. Whether or not you actually do can become the question. Errors on credit reports are extremely common, so it’s recommended that you get a free copy of your report from the three major bureaus at least once a year. These bureaus are TransUnion, Equifax, and Experian. 

Common reasons for errors on a credit report include:

  • Fraud and identity theft
  • An account might be listed as opened when you closed it
  • Maybe you settled the debt already, and it should be off your report altogether
  • Names and account information can get mixed up
  • An account can be wrongly reported as being late
  • You could have debts listed more than once
  • Balance errors can occur, or accounts might be listed with the wrong credit limit.

Each of the three credit reporting companies can have different information, so it’s important that you get copies of all three, especially if you’re getting calls from Choice Recovery.

You may also be getting calls for something you already disputed with a credit bureau that shouldn’t be on your report, yet it still is.

What you might not know is that federal protections exist. Two main federal laws relate to debt collectors and credit reporting. One is called the Fair Debt Collection Practices Act (FDCPA), which focuses on how debt collectors behave when trying to recover debts. This law prevents debt collectors from purposely contacting you at inconvenient times, harassing, abusing, or threatening you.

The other federal law that protects you as a consumer when it comes primarily to errors and incorrect reporting is called the Fair Credit Reporting Act. The FCRA was passed to ensure that you have fairness and accuracy when it comes to the personal information on your credit report. 

Under this law, outdated negative information has to be removed in a certain period of time, which is usually seven years but can be 10. 

You have a right to dispute and have bureaus correct information that’s not only inaccurate but also potentially incomplete, and you are legally required to receive notification if information that’s in your credit file is used against you when you’ve applied for credit. A Fair Credit Reporting Act attorney can help you with the dispute process. 

Is Choice Recovery a Scam?

Choice Recovery is a legitimate company and not a scam. Their contact information is:

  • Website:
  • Address: 1105 Schrock Rd., Suite 700, Columbus, Ohio 43229.
  • Phone number: 800-559-9277

The debt collection company has been accredited by the Better Business Bureau (BBB) since 2011. Currently, they don’t have a rating or listed consumer reviews with the BBB, however, because their information is being reviewed and updated.

Who Does Choice Recovery Collect For?

The primary industries that Choice Recovery Collects for include:

  • Healthcare companies, including urgent care clinics, surgery centers, specialty providers like dermatology and women’s health, and orthopedics providers.
  • Dental offices
  • Property management companies, landlords, or apartment communities.
  • Higher education (student loans).
  • Financial services companies, including banks and credit unions.

How Should I Deal with Choice Recovery?

If you’re getting phone calls from Choice Recovery, or your first time seeing the name was when you checked your credit report, contact an FCRA attorney before doing anything else. There are specific things that debt collection companies are legally required to do, and one of them is to provide you or your legal representative with information about the debt they’re trying to collect.

An FCRA attorney can contact Choice Recovery on your behalf to get detailed information about the debt and then take the next steps needed to fix the issue. If you try to contact a debt collector without talking to a legal professional first, it can make the situation worse. For example, it’s possible the statute of limitations could start over, depending on the conversation you have with the company. 

A consumer rights lawyer who specializes in the Fair Credit Reporting Act can help you deal with inaccuracies and wrong information that’s destroying your credit and leading to constant contact with companies like Choice Recovery. Taking steps to get Choice Recovery off your credit report is important because it can impact everything from your ability to get a car loan to mortgages and even job opportunities if you don’t. 

Get In Touch for a Free Review of Your Choice Recovery Case

If you’re dealing with Choice Recovery and want to end the calls and harassment and get it off your credit report, contact Fair Credit. We’re FCRA attorneys and can help you get started with a free case review. We can outline the right steps given your particular circumstances and manage the process for you so that you don’t have to worry about it anymore. 

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review