What does OXYGEN XL mean on my credit report?

Is OXYGEN XL making an impact credit score?

Updated May 1, 2022

What is OXYGEN XL?

OXYGEN XL is shorthand for Oxygen XL, with the company name being Oxygen XL LLC

Jonathan Abenson (Yona) is the founder of Oxygen XL, a top leader in the Debt Recovery Industry. From his collections, Business Development and Product Management experience, he created Oxygen as more than just a Collection Agency. He has taken Oxygen XL from a concept to a successful firm in the United States and internationally educated in his native England, Israel and the US. Jonathan is dedicated to the community’s overall wellbeing and makes philanthropic efforts a core value of Oxygen XL.

OXYGEN XL is a Creditor. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Oxygen XL.

  • ⚫ 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 Oxygen XL:


  • 1 Hillcrest Center Drive Suite 314 Spring Valley, NY 10977




  • 845.579.2950

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 OXYGEN XL 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.