H&R Accounts on Your Credit Report? Fight Back and Win

Are you getting bombarded with calls from H&R Accounts and wondering why? You're not alone. Many people have faced similar issues with this debt collector--but there are ways to put an end to the harassment while also removing them from your credit report.

In this article, we'll look into who H&R Accounts is, who they collect for, why they might be contacting you, how to remove them from your credit reports, and what to do if you're having any problems. Get all the answers here and find out how we can help you take control of your financial situation today.

Is H&R Accounts a Scam?

No. They are not a scam. They’re a legit debt collector that’s owned by Avadyne Health Holdings, Inc or Avadyne Health. However, with more than 30 years of experience in debt collection, H&R Accounts, Inc. has garnered a reputation as an aggressive debt collector.

Reviews from the Better Business Bureau, Google, and Facebook reveal the following:

• BBB Rating

1/5 stars with 80 complaints in the last three years, 

• Google Reviews

1.7/5 stars with 50 comments

• Facebook Reviews

1.3/5 stars with 20 reviews 

These tell us that many people have faced issues with this collections agency--and it's important to understand that not all debt collectors are operating within legal boundaries.

If you feel that H&R Accounts has violated your rights or is harassing you beyond acceptable limits, you may need to take legal action in order to protect yourself and hold them accountable for their behavior. Our attorneys can help evaluate your case and determine the best course of action.

Why Is H&R Accounts Calling Me?

Have you been receiving calls from H&R Accounts but don't know why? There could be several reasons for their contact, including unpaid debts belonging to one of their clients, errors in your credit report that need correcting, potential fraudulent activities, or simply wrong details connected with the debt.

Regardless of why they’re calling, they don't have the right to engage in harassment or make attempts to collect an illegitimate debt. If they do, they can be held accountable. 

It's essential to make sure the call is legitimate and verify the debt before taking any action. Our experienced advisors can help you figure out what's going on--get in touch today for a free consultation.

Who Does H&R Accounts, Inc Collect For?

H&R Accounts collects debts on behalf of a wide range of clients in the healthcare industry. That includes hospitals, clinics, private practitioners, and more. 

They don’t release their client list publicly, so it can be challenging to tell what debt they’re calling you about without checking your credit report and contacting them directly. You can find their contact information below: 

• Phone number: 309-736-2255
• Website: https://payhraccounts.pagaloo.com/
• Address: 5320 22nd Ave, Moline, IL 61265

When you speak with a representative at H&R Accounts, keep detailed notes. Additionally, never agree to a debt settlement agreement without getting it in writing. Otherwise, you may find yourself paying more than you verbally agreed to. 

What’s The Fastest Way to Remove H&R Accounts From My Credit?

Removing collections accounts from your credit report can be difficult, and there is no guaranteed fastest way. However, you can try strategies such as negotiating a pay-for-delete agreement with H&R Accounts, disputing the debt with the credit bureaus, seeking professional help, or simply waiting it out. Note that any companies claiming to remove collections instantly are likely scams.

How Much Does Collections Hurt My Credit? 

Collections accounts can have a lasting, negative impact on your credit score for years to come. Factors such as the size of the debt, how many accounts you have in collections, and the age of the debt can all affect the level of damage. 

If you're unsure what to do about your debt situation, it's best practice to get professional advice before ignoring it or agreeing to any debt settlement plans.

Will My Collections Account Come Off My Credit Report If Paid? 

If you're considering paying off a collections account, it's important to understand that doing so won't delete the record from your credit report. Instead, it will be updated to show the debt has been paid in full and remain there for seven years from its original delinquency date.

Depending on the situation, sometimes it may not be the best decision to pay off this debt - especially if it's close to falling off naturally from your credit report. It's always best to get professional advice before making any decisions regarding credit repair or debt collection accounts. That’s especially true if you’re thinking about ignoring debt collectors or leaving an unpaid delinquent account on your report. 

Common FCRA Complaints Against H&R Accounts

H&R Accounts has been the target of numerous complaints alleging that they have violated the Fair Credit Reporting Act (FCRA). Such violations include:

• Reporting inaccurate information to the credit bureaus
• Failing to provide validation of a debt upon request
• Continuing to report a discharged debt
• Contacting consumers at inappropriate times 
• Using deceptive or misleading tactics for debt collection. 

If you believe your rights under the FCRA have been violated by H&R Accounts, it is essential to get legal help right away. Our team can help dispute any errors on your credit reports, demand that they are removed, and take action against H&R Accounts in pursuit of legal damages if necessary.

Contact Us For Your Free Initial Consultation Today

Do you believe H&R Accounts has violated your consumer rights or otherwise mistreated you? Or, are you ready to pay off your debt but aren't sure where to start? 

Regardless of why you want them off your credit report, we’re here to help. Our FCRA attorneys have years of experience helping to remove credit reporting errors and hold debt collection agencies accountable for their actions. Contact us today for your free case review.