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How to Remove ConServe Collections from Your Credit Report

ConServe Collections is a debt collection agency that may contact you regarding unpaid debts.

They are a third-party debt collection agency, which means that they may be hired by your original creditor, or they may purchase your old debt on the chance that you pay them instead.

Unfortunately, these third-party collection agencies are notoriously difficult to work with, and their presence on your credit report can mean trouble for your score in the long run.

Any time you are unable to fulfill a financial obligation such as a student loan debt or credit card debt, you run the risk of being reported to the three main credit reporting agencies (Experian, Equifax, and Transunion).

Removing a collections account like from your credit report is the best way to get your score back on track.

What is ConServe Collections?

Originally founded in 1985, ConServe is a medium-sized debt collector that is headquartered in Fairport, New York.

They provide accounts receivable management services that specialize in collecting on behalf of higher education institutions like:

  • the Department of Education
  • government agencies such as the IRS
  • financial institutions
  • credit unions
  • commercial enterprises

Is ConServe Collections Legit?

You may be curious if ConServe Collections is a legitimate company. ConServe is indeed a legitimate third-party debt collector, but that doesn’t mean that they are pleasant to work with.

Customers have a history of bad experiences with them, as is evident by their complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

ConServe has been accused of harassment, inaccurate reporting, failure to respond to debt validation requests, and other infractions of the Fair Debt Collection Practices Act (FDCPA), FCRA, and the TCPA.

The main complaint stated Conserve-Arm required them to go through several hoops to find the consumer resources page, only then giving customers the ability to agree to be sent to a third-party website.

As a borrower whether you live in Alaska, Oklahoma, or Connecticut, you have several rights all plainly laid out in the above-mentioned acts, that can protect you from shady business methods such as harassing phone calls.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Credit Saint for Help

Steps to Remove a ConServe Collection from Your Credit Report

The main questions we’re routinely asked are, “Can a debt collections company truly sue me or garnish my wages?” The answer is yes, however that’s not meant to frighten you.

If you are interested in removing ConServe from your credit report, you are in the right place.

Here are the essential steps to take to stop their harassing collection calls and prevent them from damaging your credit score for years to come:

Validate the Debt

Debt collections are a tricky business, and it isn’t perfect by any means. Sometimes, information gets lost in the transition from the original creditor to the debt collector.

This can mean that the debt collector may not have the right information about your debt from the start.

It can even mean that they can be pursuing you for someone else’s debt.

That is why it is important to validate the debt as soon as you start hearing from ConServe.

The goal with debt validation is to confirm that ConServe has all of the correct information regarding your debt before you endeavor to pay any of it.

You can accomplish this by sending a debt validation letter via Certified US Mail that asks them to confirm details such as the name on the debt, the total amount, and the date of debt acquisition.

This is a time-sensitive step, so it’s important that you do it right away.

If you need help, I have a debt validation letter template that can help you get started.

After you send the debt validation letter, ConServe should come back with a bunch of documents meant to prove that the debt belongs to you.

Be sure to go through these documents with a fine-tooth comb and make note of any inaccuracies.

If you find anything that doesn’t match the information you have, you can file a dispute with the major credit bureaus.

This is a way that you can remove the collection from your credit report and get out of paying the debt altogether.

Negotiate a Settlement

If you fail to get the entry removed on a technicality, the next step is to negotiate a pay-for-delete settlement with ConServe.

A pay-for-delete agreement means that you will pay a portion of the debt in exchange for ConServe to stop reporting the debt to major credit bureaus.

While pay-for-deletes are rare, you can sometimes get away with paying less than the full amount of the debt.

This is because many debt collectors purchase the debt from the creditor for pennies on the dollar with the thought that they can make money by getting you to repay.

This means that they will still make some money back even if you don’t pay the full amount. It’s a win-win situation.

For starters, tell ConServe that you are willing to pay half of the total amount in exchange for deletion.

Negotiate with them until you agree on specific terms. Make sure that you don’t make a payment until you get a written agreement from them with the details of the agreement specified in clear language. Once you get this, you are free to move forward.

After you make the first payment, wait 30 days before checking your credit report.

Get a Free Copy of Your Credit Report>>

You should notice that ConServe no longer appears, which means that they upheld their end of the bargain.

If they are still on your credit report, however, you need to reach back out to ConServe and remind them of the pay-for-delete agreement.

Let them know that until they uphold their end of the deal, you won’t be making another payment on your debt.

This should hopefully inspire them to make moves to delete the entry.

Work with a Professional

If all else fails, you can always hire a credit repair company to work their magic with ConServe.

A credit repair company helps customers remove any dings or negative marks on their credit score.

Instead of you dealing with ConServe, they will step in and handle all of the communications and negotiations.

This will help you land a better settlement and hopefully have the mark removed. Additionally, they can also help you boost your credit score by looking at your current financial habits and showing you places where you can improve.

Some credit repair companies can make big promises and then fail to deliver, which is why it’s important to work with a reputable company.

I like to recommend Credit Saint or Lexington Law to anyone looking for a high-quality credit repair company.

They are consummate professionals and have a history of success in dealing with collection agencies like ConServe.

Ultimately, they can help you clean up your report and improve your score.

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ConServe Collections Contact Information

Here is their contact information:

  • Mailing Address: 200 CrossKeys Office Park, Fairport, NY 14450
  • Phone Number: (800) 724-4439
  • Website:
  • Contact Email:
  • Rating: BBB accredited business (A+) but given 1 out of 5 stars in customer service
  • Alternate Business Name: Continental Service Group, Inc.

Dealing with ConServe Collections

Removing ConServe from your credit report isn’t an easy task, but it will pay off in the long run.

Cleaning up your credit report helps your credit score, which can open a lot of financial doors for you down the road.

Ultimately, you will be saving yourself many headaches by taking care of the problem upfront rather than accepting the damage to your score.

Improving your credit score is a process, and there are many steps you can take to boost your score.

We have many articles with tips and steps on how to boost your score and improve your financial habits.

Your financial goals are within your reach. Check out our popular articles to learn how to get there.


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