What does ACCOUNT RECOVERY SERVI mean on my credit report?

Learn about ACCOUNT 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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ACCOUNT RECOVERY SERVI is shorthand for Account Recovery Services, with the company name being Account Recovery Services

Our customers include hospitals, clinics, insurance companies and group practice physicians like you. We’re proud to be one of their long-time clientele; solutions focused, results driven

ACCOUNT 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 Account Recovery Services.
  • ⚫ Account 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.

How do I contact them?

Here is the current contact details for Account Recovery Services:


  • 620 Main Street Suite 2
    East Greenwich, RI 02818





ARS offers a variety of methods for making payments, including by mail, phone, online, and mobile app. Wire transfer is also an accepted method of payment.Late or missed payments may result in penalties.

Question Answer
Can I make payments online? Yes
Can I make a payment using a mobile app? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Account Recovery Services offers loan forgiveness and consolidation. To qualify for loan forgiveness, contact Account Recovery Services for their debt collection, pre-collection, large balances, third-party payer follow-up, legal services, and probate services. Additionally, ARS provides a faster turn around on accounts due to their vertically integrated approach and systems. Contact ARS at 401-398-8300 or PO Box 9427 Providence, RI 02940 for additional information.

Question Answer
Do they offer loan consolidation? No

How to Apply

ARS offers online solutions to help with debt collection, but does not offer online loan applications. NA. It is not possible to apply for a loan over a phone call. ARS provides services related to bad debt collection, pre-collection, large balances, third-party payer follow-up, legal services, and probate but does not offer loan services.

Question Answer
Can I apply for a loan over a phone call? No

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 ACCOUNT 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.