Credit Recovery Systems in Texas

Credit Recovery Systems is a debt collection agency headquartered in Derby / West Seneca. It has held a Texas surety bond continuously for 4 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20220120), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

4 years

of continuous verified Texas bond history on the Texas Secretary of State register. Credit Recovery Systems currently holds an active $10,000 surety bond.

Source: texas-sos.appianportalsgov.com · Last checked: October 5, 2026

What brings you here?

Two of the most common reasons people check a collector. Pick whichever fits.

A collector has contacted me What they are allowed to do, how to check the debt is really yours, and what to do next. I need to hire a collector Compare agencies by their track record on the state register and their complaint history before you choose one.

Run a collection agency? See how we rank agencies, and how to get listed.

Choosing software for your agency? Compare collection systems, dialers and payment tools on DebtTechIndex, our sister site.

Public-record facts about Credit Recovery Systems

Fact	Value	Source
Headquarters	Derby / West Seneca	Named on: texas-sos.appianportalsgov.com · Last checked: September 16, 2026
Year founded	2013	Stated on: bbb.org · Last checked: September 24, 2026
Company type	Third-party agency	Classified by us from: bbb.org · Last checked: September 24, 2026
Texas surety bond history	4 years continuously bonded Active SoS File 20220120 · filed September 19, 2022 · TEXAS BONDING COMPANY · bond 100683250 Canceled Close File SoS File 20190064 · filed April 22, 2019 · canceled June 18, 2021 · Texas Bonding Company · bond 100438600	Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026
CFPB debt-collection complaints on record	39	CFPB database: consumerfinance.gov · Last checked: October 7, 2026

How to reach Credit Recovery Systems safely

We have not yet read Credit Recovery Systems's website for its phone numbers.

Be careful. Callers can fake the number they show. If you are not sure a call is real, hang up and call the company on a number you find yourself.

Common questions about Credit Recovery Systems

Is Credit Recovery Systems licensed to collect debt in Texas?

Credit Recovery Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20220120), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

Does Credit Recovery Systems have complaints on record?

The public CFPB Consumer Complaint Database records 39 debt-collection complaints referencing Credit Recovery Systems, as of October 7, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

Is this your company?

Claim this page to add how you work, your memberships and certifications, and a contact for new business.

Claim this page Already claimed? Sign in to update it

Spot an error? Any agency may claim its profile and submit corrections via the corrections policy. Rankings are never for sale; see the methodology.