Is Evergreen Professional Recoveries on your credit report?
If so, you’ve probably endured frequent phone calls from them and noticed a drop in your credit score.
Additionally, EPR may show up on your report if you’ve fallen behind on payments to a service provider or a lender.
And the longer you ignore a collections entry, the more damage it can do to your report.
Read on to learn about Evergreen Professional Recoveries and what you can do to get them off your credit report.
What Is Evergreen Professional Recoveries?
Evergreen Professional Recoveries is a legitimate debt collection agency and member of the American Collectors Association.
But you may not be familiar with the agency. However, they collect for popular lenders and providers across several markets.
For example, if you have outstanding debt in any of the following industries, you could be contacted by EPR:
And they work with everything from small local businesses to large national enterprises.
The company’s address is below:
12100 N.E. 195th St. Suite 125
Bothell, WA 98011
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How Does Evergreen Professional Recoveries Work?
Any time you miss a payment, your lender will contact you to collect. And if they can’t reach you after several attempts, they might turn your debt over to collections.
When your debt enters the collections stage, it will:
- Lower your credit score
- Place a negative entry on your report for 7 years
- Lead to constant letters and calls from debt collectors
While some businesses have a collections department, others get assistance from agencies like EPR.
These agencies could:
- Purchase your debts for pennies on the dollar, or
- Be hired by the lender to help collect debts
Either way, once the agency has your information, they can call, leave messages, and send letters until you agree to make a payment.
Rather than answering the phone and paying up, use the advice below.
How to Deal with Evergreen Professional Recoveries
Debt collection agencies receive regular complaints from consumers who’ve dealt with them.
And a lot of these complaints have to do with their aggressive collection tactics, inaccurate reporting, and failure to respond properly to disputes,
You can see these complaints by looking to the Consumer Financial Protection Bureau and Better Business Bureau websites.
In addition, you should also learn what your rights are under the Fair Debt Collection Practices Act.
The FDCPA keeps debt collectors in line by:
- Restricting calls to 8 a.m. to 9 p.m.
- Banning agencies from contacting you at work, upon your request
- Prohibiting threatening and abusive collection attempts
Moreover, this law lets you set the standard for how you and Evergreen communicate. So while you can speak to them on the phone, we recommend opting for letters instead.
Because by sending letters by certified mail, you can guarantee that your interactions are documented.
In addition to stopping their frustrating calls, it can help with the removal process.
3 Ways to Remove Evergreen Professional Recoveries from Your Credit Report
Ready to say goodbye to Evergreen and get their collections entry removed from your credit report?
Here are three ways to do it:
1. Request Debt Validation
According to the FDCPA, you have 30 days to dispute questionable collections entries on your credit report. All you need to do is mail in a debt validation letter.
The agency is then legally required to provide you with documentation of your collections account if you do so.
Furthermore, if they are unable to furnish this information, the collections entry will get deleted from your report immediately and the company will stop contacting you to collect.
If you don’t believe the entry is valid, you should absolutely pursue debt validation. However, this strategy is a solid one even if you do owe Evergreen money.
Why? Because third party collection agencies like Evergreen don’t always have the documentation they need to follow through on collection attempts.
Bottom line: whether you actually owe Evergreen money or not, asking for debt validation is a no-brainer.
To catch on to collections entries as soon as they’re added to your credit report, sign up for a free credit monitoring service.
2. Pay for a Deletion
If Evergreen has been on your report for more than 30 days, your next best option is to organize a pay-for-delete agreement.
In this arrangement, you negotiate with the collections agency to pay an amount of money to have the entry deleted from your credit report.
Here’s how it works: if you simply pay off the balance that you owe to a collections agency, they will stop contacting you, but the entry won’t be deleted from your credit report.
In order to get it off your report, you must have the agency agree to have it deleted.
The best thing about a pay-for-delete agreement is that you can often negotiate with collection agencies to reduce the amount of money that you owe.
For instance, you may be able to pay 30% of your total balance in order to close out your account.
However, for this strategy to be the most successful, you should communicate with the agency in writing.
Because an agreement made over the phone may not be documented. Therefore, the agency might not follow up on their end of the agreement.
So once you and the agency agree on an amount and you make your payment, you should see the entry removed promptly from your report.
But if it is still there 30 days after you make a payment, you should follow up with Evergreen.
3. Hire a Credit Repair Company
Contacting debt collectors about your account can be quite stressful. But fortunately, you don’t have to tackle collections entries on your own.
If you dread contacting Evergreen yourself, don’t hesitate to work with a credit repair company
Credit repair companies are experts at getting entries like the one from Evergreen off your report and out of your hair.
And if collections accounts are only one of your problems, you may seriously want to hire some help.
Credit repair companies are also pros at handling:
- Identity theft
Whether you tackle collections accounts on your own or get help from a company, don’t wait another day to handle the problem.
You may be surprised at how easily you can get a collections account off your report and improve your score.