Ozriel Capital LLC
Creditor of Record
We acquire and directly service consumer credit portfolios — revolving accounts, installment loans, and auto finance contracts. Upon acquisition, Ozriel Capital LLC becomes the legal owner of the account and assumes full servicing responsibility.
Asset Classes We Specialize In
We acquire and directly service consumer credit portfolios across three core asset categories. Upon acquisition, Ozriel Capital LLC assumes full legal ownership and FCRA furnishing obligations.
Direct ownership. Active servicing. Regulatory compliance.
Ozriel Capital LLC acquires and directly services revolving credit portfolios. As the Creditor of Record, we manage account balances, billing cycles, and payment administration in compliance with all applicable FCRA and state law requirements.
Legal ownership. Payment processing. Metro 2® furnishing.
Ozriel Capital LLC owns and services closed-end installment loan portfolios acquired from licensed originating lenders. We manage payment processing, account status, and Metro 2® credit furnishing for every account we hold.
Lienholder rights. Title administration. Collateral oversight.
Ozriel Capital LLC holds lienholder rights on acquired auto finance retail installment sales contracts. We manage title administration, payment servicing, and collateral oversight as the Creditor of Record on every auto account we own.
A Partner You Can Trust
Ozriel Capital LLC is a specialized financial institution that acquires and directly services consumer credit portfolios. We assume full legal ownership, economic risk, and FCRA furnishing obligations upon acquisition — operating as the Creditor of Record on every account we hold.
Compliance-driven servicing. Built to audit clean.
Tight controls, consistent logic, and documentation that holds up after transfer.
File-backed balances and dates
Agreement-linked timelines • Exception logging • Audit-ready change history
Single system of record
Controlled update rules • Traceable servicing actions • Review-ready reporting
Is Ozriel Capital LLC the Owner of Your Account?
If Ozriel Capital LLC is the current owner of your credit account, you will have received a formal Notice of Assignment identifying us as your Creditor of Record.
Remit payments directly to Ozriel Capital LLC
All payments on your account should be remitted directly to Ozriel Capital LLC using the payment instructions provided in your Notice of Assignment. For questions about payment options including online portal, ACH, phone, or mail, contact us at (800) 228-6401 or support@ozrielcapital.com.
Your FCRA rights are fully protected
Ozriel Capital LLC furnishes account data to national consumer reporting agencies monthly in Metro 2® format, as required under FCRA Section 623. You have the right to dispute any information we have furnished. Dispute requests are investigated and resolved in accordance with FCRA requirements. Submit disputes to disputes@ozrielcapital.com.
Portfolio Acquisition Inquiry
Financial institutions, lenders, and portfolio holders interested in transferring a portfolio to Ozriel Capital LLC may submit an inquiry below. Our acquisitions team will review your submission and respond within 1–2 business days.
Frequently Asked Questions
Everything you need to know about Ozriel Capital LLC as your Creditor of Record
What does it mean that Ozriel Capital LLC is the Creditor of Record on my account?
Do I still owe my original balance?
How do I make a payment on my account?
Will this account appear on my credit report?
What if I believe information on my credit report is inaccurate?
What types of accounts does Ozriel Capital LLC own and service?
Let’s Start a Conversation
Whether you’re looking to sell a portfolio or need expert servicing for your contracts, we’re here to help.
Contact Us Today
111 West Port Plaza Drive Suite 600
St. Louis, MO 63146
(800) 228-6401 | info@ozrielcapital.com