Don't let errors on your Credit Report hurt your future opportunities. Learn More

Home / Debt Collection Brands / How to get h&r accounts (HRA) off my credit report

How to get h&r accounts (HRA) off my credit report

  • H&R Accounts on your credit report can hurt your score and may be inaccurate.
  • A low credit score limits loan approvals, raises interest rates, and stops you from getting rental agreements.
  • Call The Credit Pros to review your 3-bureau credit report and create a strategy to fix your credit.

Pull your 3-bureau report and don't let this debt collector cause problems for you.

Get Help From a Credit Expert

89 people started their credit fight today - join them!

BBB A+ rating credit repair company

Related content: southwest credit systems

H&R Accounts shows up on your credit report because they purchased a debt from a creditor after you missed payments. Their goal is to collect that debt, which can drag down your credit score. If you see them listed, act fast to dispute any inaccuracies and protect your credit health. Ignoring them won’t make the issue disappear; it may actually worsen over time.

Reach out to The Credit Pros today for support. We're here to help you analyze your 3-bureau credit report and guide you through the next steps. Whether it’s verifying debts or crafting a strategy for dispute, we tailor our assistance to fit your specific situation. You don’t have to face this alone - let's have a simple, no-pressure chat to tackle your credit concerns together.

Remember, the longer you wait, the more impact H&R Accounts can have on your financial future. Don't hesitate. Call The Credit Pros now, and let’s work towards a cleaner credit report and a healthier financial outlook for you.

On This Page:

    Why Is H&R Accounts On My Credit Report?

    H&R Accounts appears on your credit report because they are a debt collection agency that has purchased your debt from a creditor. This usually happens when you haven’t paid an account for a while, leading the original creditor to sell it off as a charge-off.

    Consequently, when H&R Accounts gets involved, it indicates they’re trying to collect the debt from you, which could be causing harm to your credit score.

    It's essential to understand that you might not be obligated to pay them if the debt's legitimacy is disputed or if they reported inaccurate information to credit bureaus. Discrepancies could lead to a successful dispute, potentially removing the negative mark from your report.

    Moreover, collections accounts like those from H&R Accounts can linger on your report for up to seven years, significantly impacting your creditworthiness and ability to secure loans or credit cards in the future. Therefore, addressing this issue promptly is crucial.

    Is H&R Accounts Legit Or A Scam (E.G. Fake)?

    H&R Accounts is a legitimate debt collection agency, accredited with an A+ rating by the Better Business Bureau (BBB). However, it's essential to note that like many debt collectors, they face numerous complaints about their practices. The Consumer Financial Protection Bureau (CFPB) has recorded over 150 complaints against them. Some customers claim that H&R Accounts employs aggressive tactics, including harassing phone calls, which raises concerns about their legitimacy in approach (though the company itself operates legally).

    To determine if H&R Accounts is a scam, you should consider your own experiences. If you have received a notice from them for a debt you don't recognize, be proactive. Verify the debt by requesting documentation, as is your right under the Fair Debt Collection Practices Act (FDCPA).

    If you're unsure about their tactics, it's helpful to learn about your rights when dealing with debt collectors, which is discussed in detail in our article. Overall, while H&R Accounts operates within the law, they might not always adhere to ethical practices, making it crucial for you to stay informed and assertive in addressing any debt issues.

    Which Company Does H&R Accounts Collect Debt For?

    H&R Accounts primarily collects debt for various creditors, though specific names are often not disclosed publicly. As they operate as a collection agency based in Moline, IL, their clients range from healthcare providers to retailers seeking to recover overdue payments.

    It's important to know that regardless of who they collect for, checking your three-bureau credit report can give you a full breakdown of potential issues affecting your credit score. This will help you understand the impact of any debts they manage on your credit health.

    Remember, knowledge is power when dealing with debt collectors like H&R Accounts.

    How Do I Stop H&R Accounts From Calling Me?

    Your first step to stop H&R Accounts from calling you is to block their number. You can do this by downloading a spam blocker app if you use an Android or Apple device.

    Another effective method is to use the Do Not Disturb feature on your phone, which lets you filter calls and silence unwanted ones. Additionally, you can register your number on the National Do Not Call Registry, which can help reduce solicitation calls over time.

    If you’re still receiving calls, consider sending a formal cease and desist letter to H&R Accounts. This legal notice demands they stop contacting you. However, keep in mind that doing this may not erase your obligation to pay a legitimate debt.

    Lastly, you could also consult a credit repair company, like The Credit Pros, who can perform a comprehensive three-bureau credit report analysis and guide you on further actions.

    To sum up, you can block the number, use your phone's features, send a cease and desist letter, or seek help from a credit repair service to halt H&R Accounts' calls.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Dispute (And Remove) H&R Accounts On My Report That I Believe Is Inaccurate?

    To dispute (and remove) H&R Accounts from your credit report that you believe is inaccurate, follow these steps:

    1. Pull Your Credit Report: Start by obtaining a copy of your full credit report from the three main bureaus (Experian, TransUnion, and Equifax). Look for any listings from H&R Accounts and identify inaccuracies.

    2. Gather Evidence: Collect documentation that supports your case (like payment receipts or letters). If the debt is not yours or if there are errors, this evidence is crucial.

    3. Send a Dispute Letter: Write a formal dispute letter to the credit bureau(s) reporting the inaccurate H&R Accounts entry. Include details such as your personal information, the account information in question, and the evidence you gathered. Be sure to request they investigate this matter.

    4. Wait for a Response: The credit bureau has 30 days to investigate your claim. They will communicate their findings and may remove the account if your dispute is valid.

    5. Consider Professional Help: If you're overwhelmed, think about enlisting a reputable credit repair service. They can help you draft the dispute letters and effectively communicate with the bureaus and H&R Accounts.

    Disputing inaccuracies on your credit report is vital for maintaining your financial health.

    Can'T I Just Ignore H&R Accounts (Pros And Cons)?

    Ignoring H&R Accounts might seem tempting, but it has significant drawbacks. You can block their calls and letters, but simply ignoring them won’t eliminate the debt. They often continue to contact you from different numbers and may even escalate to legal actions, such as lawsuits or wage garnishment, which can hurt your finances severely.

    Furthermore, if H&R Accounts remains unpaid, this debt can linger on your credit report, potentially damaging your credit score and making it harder to secure loans in the future. This long-term impact on your credit can hinder your financial opportunities for years; it's like carrying a heavy backpack you can't take off.

    While you might find temporary relief in ignoring them, the pros don't outweigh the cons. You risk legal actions and lasting damage to your credit. Instead, consider seeking solutions to manage or dispute the debt. Remember, facing it proactively offers more control and keeps your financial health intact.

    H&R Accounts Contact Info (Phone # And Address)?

    For H&R Accounts, you can reach them at the following contact information:

    - Phone Number: (309) 736-2255
    - Address: 5320 22nd Ave, Moline, IL 61265

    Additionally, they have a second location:
    - Address: 4625 6th St SW Unit 2, Cedar Rapids, IA 52404-4445

    Be cautious, as debt collectors often use various phone numbers to contact you, which can feel overwhelming. It's advisable not to reach out to them directly.

    Instead, review your credit report from all three bureaus, and consider seeking professional help for analysis if needed.

    Why Is H&R Accounts Calling Me If They'Re Not On My Credit Report?

    H&R Accounts may be calling you even if they're not on your credit report because they might be attempting to collect a debt that hasn't yet been reported. This could occur if your debt was recently acquired from another creditor but hasn't been updated in the reporting system. If you’re receiving calls from them, it’s essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA), which requires debt collectors to provide validation of the debt within five days of their first contact with you.

    Another possibility is that the calls could be due to clerical errors or issues such as identity theft. If the debt isn't yours, you can dispute it, and they must cease collection efforts until they verify the debt. If you suspect identity theft, notify them immediately. It's also worth noting that debts may exist that haven't been reported to credit bureaus for various reasons, including recent transfers or other administrative oversights.

    To address these calls, request detailed information about the debt being collected. Understanding why H&R Accounts is contacting you-whether due to a legitimate debt or a mistake-will help you take appropriate action. Recap: H&R Accounts might call about debts not yet on your credit report due to various reasons such as recent transfers or clerical errors.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Verify (E.G. Proof Of Debt) If I Actually Owe This Debt From H&R Accounts Or Not?

    To verify if you owe a debt from H&R Accounts, start by requesting proof of the debt. You have the right to do this under the Fair Debt Collection Practices Act (FDCPA). Contact H&R Accounts directly (via phone or in writing) and ask them to send you documentation that proves the debt is valid, including details such as the original creditor and the amount owed. This step is crucial because it ensures you're not paying a debt you don't actually owe.

    Once you receive their response, review the provided documents carefully. Check for discrepancies or missing information that could indicate the debt is not yours. If you believe the information is incorrect or if you did not receive any proof, you can dispute the debt. You may also consult with a credit repair company like The Credit Pros for assistance during this process. They can help navigate the complexities of debt verification and dispute.

    Remember, always ask for proof before making any payments to avoid falling into a trap. Understanding your debt will empower you to make informed decisions. Verification is key, so take it one step at a time.

    Does H&R Accounts Hurt My Credit Score If It'S On My Report?

    Yes, having H&R Accounts on your credit report will hurt your credit score. When H&R Accounts, a debt collection agency, appears on your report, it signals that you have outstanding debts they acquired from a creditor who stopped pursuing collections.

    This negative entry impacts your payment history, a crucial component of your score. Furthermore, collections can linger on your credit report for up to seven years, continually dragging down your score during that time.

    To protect your creditworthiness, it's essential to address any debts with H&R Accounts promptly and understand how they can affect your future loan and credit applications.

    Will Paying This Debt From H&R Accounts Remove It From My Credit Report?

    Paying your debt to H&R Accounts will not remove it from your credit report. Even after payment, the collection account typically remains for seven years from the date of first delinquency. This means your credit report will still show that you had a collections account, which can keep your credit score low.

    Instead of paying, consider disputing any inaccuracies with the credit bureaus or negotiating a "pay for delete" agreement, where you offer to pay in exchange for the removal of the negative entry. However, keep in mind that these agreements aren't guaranteed and often depend on the collector's willingness to cooperate.

    Working with a professional credit repair company can help you navigate these options more effectively. They can thoroughly review your credit report, identify any inaccuracies, and handle disputes on your behalf, potentially leading to improved credit scores. Remember, understanding your options is key to managing your credit effectively.

    Should I Negotiate With H&R Accounts And 'Settle' To Pay This Debt?

    Negotiating with H&R Accounts to settle your debt is often not advisable. While it might seem appealing to reduce what you owe, even a settled debt can remain on your credit report for up to seven years, impacting your credit score. This lingering negative mark can limit your financial opportunities in the future, such as securing loans or favorable interest rates.

    Instead of negotiating, consider exploring options that might better safeguard your credit standing. If your debt is below $100, you might weigh your options, but for most, it's wiser to resist direct negotiation. You should prioritize reviewing your complete credit report to identify any inaccuracies or other debts that need addressing.

    Avoiding negotiation doesn't mean avoiding the situation entirely. We can assist you in pulling your 3-bureau credit report, analyze it thoroughly, and help strategize a path towards improving your credit health. Remember, making informed decisions today can help pave the way for a stronger financial future.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Does H&R Accounts On My Report Hurt My Ability To Get Credit/Loans In The Future?

    Yes, having H&R Accounts on your credit report can negatively affect your ability to get credit or loans in the future. When a debt collection agency like H&R Accounts appears on your report, it signals to lenders that you have unresolved debts. This can indicate risk, leading to lower approval chances for mortgages or credit cards.

    To elaborate, collection accounts are seen as major red flags in your credit history. They can substantially lower your credit score, making it harder for you to secure favorable terms on loans. This negative mark typically stays on your report for seven years, perpetuating its detrimental impact on your creditworthiness (a long time in the financial world).

    Additionally, lenders often consider your payment history, which is crucial for their assessment. An account from H&R Accounts can be a clear signal that you have struggled with payments in the past. It’s wise to dispute inaccuracies, negotiate settlements, or explore options to remove such accounts to improve your credit standing.

    In short, yes, H&R Accounts on your credit report can hurt your chances of acquiring future credit or loans.

    Should I Consider A 'Pay For Delete' Option With H&R Accounts?

    Considering a 'pay for delete' option with H&R Accounts can be beneficial, especially if you have a small debt (under $100) and you are looking to improve your credit score. This approach involves negotiating with the collection agency to remove the negative item from your credit report in exchange for payment. While it is not a guarantee, it can potentially relieve some weight from your credit profile.

    However, it’s important to know that the practice of pay for delete is somewhat controversial. Although it’s not explicitly prohibited under the Fair Credit Reporting Act, credit reporting agencies generally frown upon it. You should always submit a pay for delete letter stating that you will pay off the debt in exchange for the removal from your report.

    It’s crucial that you receive written confirmation from H&R Accounts before sending any payment, as they are not legally bound to delete the account after payment is made.

    Keep in mind, recent credit scoring models don't penalize paid off collections as heavily as before. Therefore, weigh your options carefully. If possible, pulling your three-bureau credit report could reveal various negative items to address, perhaps making a different strategy more effective.

    In short, while a pay for delete approach can help, understanding the potential risks and benefits will ensure you make an informed decision.

    Can I Send A 'Goodwill' Letter To H&R Accounts And Ask Them To Remove This Debt?

    Yes, you can send a goodwill letter to H&R Accounts to request the removal of a debt, but keep in mind that the success rate is low. A goodwill letter is a request to the creditor or collection agency to remove a legitimate negative mark from your credit report due to extenuating circumstances (like a temporary financial hardship or a medical emergency).

    However, it's important to remember that goodwill letters aren't an official process; creditors aren't obligated to respond or grant your request. When drafting your letter, clearly explain why the negative entry occurred and emphasize any positive payment history you may have with H&R Accounts.

    Though many individuals report mixed results (with some experiencing success while others do not), it’s an approach worth trying. Also, note that even if the creditor agrees, they will only ask the credit bureaus to remove the mark.

    In essence, while a goodwill letter could potentially help clean up your credit report, it’s not guaranteed. If this method doesn’t yield results, you might want to explore other options for addressing your debt with H&R Accounts.

    H&R Accounts Reviews And Complaints From Real Customers

    H&R Accounts has received a mix of reviews and complaints from real customers, highlighting both their practices and customer service issues. Many consumers report that H&R Accounts, operating under the name Avadyne Health, is legitimate but has provoked substantial frustration due to persistent collection calls and allegations of harassment.

    As per the Better Business Bureau (BBB), H&R Accounts holds an A+ rating, yet there are dozens of complaints lodged against them. Notably, over 150 complaints have been reported on the Consumer Financial Protection Bureau (CFPB) database, often contesting the debt's validity or citing violations of consumer rights.

    Common complaints include:

    • Harassment through repeated phone calls despite requests to stop.
    • Claims of inaccuracies regarding the debts reported.
    • Frontline customer service issues, where consumers felt unsupported when trying to resolve disputes.

    Overall, experiences with H&R Accounts vary, with some individuals finding resolution through negotiation or dispute processes while others express frustration and confusion. Understanding these reviews can help you navigate interactions with H&R Accounts more effectively.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    What Are My Rights When Dealing With Debt Collectors (Like H&R Accounts)?

    When dealing with debt collectors like H&R Accounts, it's essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). You have the right to receive a written notice detailing the debt within five days of the initial contact. This notice should include the amount owed, the original creditor's name, and your right to dispute the debt. If you believe the debt is inaccurate, you can dispute it within 30 days, and the collector must stop collection efforts until they verify the debt.

    Moreover, collectors must identify themselves and inform you that any information you provide could be used for debt collection. They are prohibited from contacting you at inconvenient times, such as before 8 a.m. or after 9 p.m., and cannot contact you at work if you disapprove. You can request they stop contacting you through specific methods or entirely if you wish.

    Additionally, debt collectors cannot harass, abuse, or mislead you. They cannot make empty threats of arrest or falsely claim to work for a government agency. Your privacy is protected; collectors can only discuss your debt with you, your spouse, or your attorney.

    If you feel your rights have been violated, you have the right to report it to authorities or even sue for damages within one year of the violation. Understanding your rights when dealing with debt collectors like H&R Accounts can empower you to defend yourself against unfair practices and take action if necessary.

    Can H&R Accounts Contact My Family Or Employer About My Debt?

    Yes, H&R Accounts can contact your family or employer, but there are strict limitations. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors, including H&R Accounts, may only reach out to third parties to obtain your contact information-like your phone number or address. They are not allowed to discuss any details of your debt with them.

    If they contact your employer, it’s generally to verify your employment status, not to disclose your debt situation. They can't reveal that they are attempting to collect a debt, which protects your privacy. However, they can only make such contact once unless they believe that previous information was inaccurate.

    You have the right to ensure that collectors do not harass you or disclose your situation. If you feel that H&R Accounts is violating any of these rights, you could take action by referring to your options under the FDCPA. To sum it up, while they can reach out for basic info, they cannot discuss your debt with your family or workplace.

    Privacy and Cookies
    We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions