“NTL RECOVERY AGENCY” is how the credit bureaus abbreviate National Recovery Agency — which is why so many people search the abbreviation and find nothing that explains it. The company behind the entry is a debt collector headquartered in Harrisburg, Pennsylvania, and the entry means it is collecting, or has collected, a debt someone says you owe.
What National Recovery Agency is
National Recovery Agency — NRA Group — is a debt collection company at 2491 Paxton Street, Harrisburg, PA 17111. Its own website states plainly that it “is a debt collector attempting to collect a debt,” and it operates under NMLS ID 934681, a license number you can check against the national registry. It collects for other businesses, so the debt on your report started with a company you may actually recognize — a utility, a medical provider, a landlord — even if the collector’s name means nothing to you.
The errors to look for
A debt that is not yours. A bill you paid the original company that reached collections anyway. A balance that grew past what you owed. A debt too old to appear on the report. The same debt listed under both the original company and the collector in a way that misstates the total. Each of these is a dispute with legal footing.
How to dispute an entry
With the company. National Recovery Agency’s own credit reporting page says you may “contact National Recovery Agency directly to dispute an account or information reported by us,” and lists its toll-free line, 800-773-4503. You can also demand validation of the debt before paying anything — our free debt verification letter template covers how.
With the credit bureaus. Dispute in writing with each bureau showing the entry, attach your proof, and keep copies and proof of mailing. The bureau generally has thirty days to investigate.
When the dispute fails
A wrong collection entry that survives a dispute is where the Fair Credit Reporting Act claim begins — against the collector, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report walks the steps, our directory of debt collectors and furnishers lists who reports, and if a dispute has already failed, see our FCRA lawsuit page.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against collection agencies and the credit bureaus — and this firm practices in Pennsylvania, where National Recovery Agency is headquartered. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with National Recovery Agency or NRA Group, LLC, and this page is not a complaint about that company. It describes how collection entries can appear on credit reports and the rights consumers have when an entry is wrong.