What does ABILITY RECOVERY SERVI mean on my credit report?

Learn about ABILITY RECOVERY SERVI, an collections agency offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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ABILITY RECOVERY SERVI is shorthand for Ability Recovery Services, with the company name being Ability Recovery Services

TheARS collection agency with a sense of urgency gathers in all fifty states, we are bonded and insured nationwide.

ABILITY RECOVERY SERVI is a Collections Agency provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.
  • ⚫ You opened an account with Ability Recovery Services.
  • ⚫ Ability Recovery Services bought your debt and are now trying to collect on it.
  • ⚫ You opened a credit card / loan / mortgage with this company.
  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Ability Recovery Services:


  • 284 Main St, Dupont, PA 18641, United States





ARS offers a variety of payment options and methods, all on a contingency basis with no hidden fees. Services include skip tracing, letter series, phone reports, and unmatched customer service. ARS is bonded, insured, and nationwide.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

ARS provides collection services nationwide with no upfront costs or fees. They use skip tracing, letter series, phone reports, and unmatched customer service to settle accounts. Constant communication is used to notify borrowers of overdue balances. Contact Audrey to get started. The Department of Education has announced a set of actions which includes a time-limited waiver so that student borrowers can count payments from all federal loan programs or repayment plans towards forgiveness and automated PSLF eligibility. These changes are important steps towards a better and stronger PSLF program, which will help over 550,000 borrowers.

Question Answer
Do they offer loan forgiveness? Yes

How to Apply

You can apply for a loan online, over the phone, or with a cosigner through Ability Recovery Services LLC. They work on a contingency basis and offer services such as skip tracing, letter series, phone reports, and unmatched customer service. You can contact them to get started.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.


Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

What is a Collections Agency?

Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.

How do I remove ABILITY RECOVERY SERVI from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.