What does American Recovery Service
A Patrick K. Willis Company (AMER RCVRY) mean on my credit report?

Is AMER RCVRY making an impact credit score?

Updated May 1, 2022


AMER RCVRY is shorthand for American Recovery Service<br>A Patrick K. Willis Company, with the company name being American Recovery Service<br>A Patrick K. Willis Company

American Recovery Services really meets the needs of captive lenders, banks, and credit unions. For more than 25 years, ARS has possessed extensive knowledge and experience that you can rely upon. The American Recovery Services is an aggregator of pre-screened and verifiable repair shops, and does not itself perform repairs.

AMER RCVRY is a Collections Agency. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.
  • ⚫ You opened an account with American Recovery Service
    A Patrick K. Willis Company.
  • ⚫ American Recovery Service
    A Patrick K. Willis Company 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 American Recovery Service
A Patrick K. Willis Company:


  • P.O. Box 4917
    El Dorado Hills, CA 95762




  • (800) 398-6480

SmartCredit Report Example

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

AMER RCVRY 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 AMER RCVRY 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.