Spire Recovery Solutions does not report to the credit reporting agencies; however, the owner of an account in our office may report the account to the credit reporting agencies. For more information about how your score would be affected, please contact one of the three credit reporting agencies (Equifax, Experian, TransUnion).

We cannot speculate on the impact a payment or non-payment would have on your credit report, credit worthiness, or credit score. You can contact one of the three credit reporting agencies for more information. To learn more about your rights in terms of credit reporting, visit the FTC’s post about Credit and Your Consumer Rights.

 The account owners that place accounts with Spire Recovery Solutions that do report will notify the appropriate credit reporting agency of any changes to the tradeline as required by law. Updates can take 60-90 days to show on your credit report. For more information please contact the credit reporting agencies directly.