How to Remove Recovery Management Services From Your Credit Report
Collection agencies are bound to operate under the guidelines of the Fair Debt Collections Practices Act (FDCPA) which is in place to protect the consumer from harassment by collection agencies. Unfortunately, there are some collection agencies whose representatives will harass you anyway. is one of those collection agencies.
A low credit score can even negatively affect your ability to find a job. If your score is low and you are having trouble getting proof of debt or are being continually harassed by a collection agency, and you have nowhere else to turn, DoNotPay can help fix your credit score.
What Is Recovery Management Services?
) is a third-party collection agency that works to collect a debt from the consumer.
RMS is a collection agency that specializes in collecting debt associated with student loans. They are headquartered in Warrenville, IL. RMS has an abysmal rating with the Better Business Bureau due to repeatedly violating the FDCPA.
They are known to regularly harass consumers who have already paid off their loans. They threaten and pursue wage garnishment no matter what the consumer has or has not paid. They garner more complaints than most other collection agencies combined.
|Recovery Management Services Contact Information|
|Address||4200 Cantera Drive, Suite 211, Warrenville, IL 60555|
How Does a Collection Item Affect My Credit Score?
When a collection item appears on your credit report, it not only lowers your score but also remains on your credit report for seven years.
Collection agencies buy bad debt in bulk from various creditors, many of whom have already written off the consumer in question. They are only allowed to pursue collection activities for a period of time known as the statute of limitations.
The statute of limitations is different in every state and can cover anywhere from three years to seven years. Once the statute of limitations is up, legal action cannot be taken against the consumer. While some collection agencies are prone to pursuing legal action and wage garnishment, others will prefer to harass and threaten the consumer until they pay their debt.
When a collection agency acts in good faith, it will at least make a notation on the account that the debt has been paid. Others seem like they cannot be bothered to do so. Also, some collection agencies will accept a goodwill letter and remove the collection action from your credit report. This is something that is at the discretion of each individual credit collection company.
is a collection agency that is known for its bad reviews and threatening practices. DoNotPay can help you get rid of them.
What Else Affects My Credit Score?
When you examine your credit report, you should note the information for each credit collection action. If you see something on your credit report that is incorrect, then you should file a dispute about the item with the collection agency and the three credit bureaus, Experian, Equifax, and Transunion.
When a consumer disputes debt or a notation of late payment that appears on their credit report, it is up to the collection agency to produce proof that the debt is valid. If they are unable to do so within 30 days, the credit bureau can remove the collections action from your credit report. For each item removed, your credit score can increase substantially.
Other things that affect your credit score are the number of inquiries that are placed with the credit bureau. These inquiries occur when you apply for a new credit card, a mortgage, car loan, or the like. Inquiries remain on your credit report for an average of two to three years. When your credit score is lowered, it affects your ability to do things that you probably take for granted, like renting a house or apartment, getting a mortgage or car loan, or even getting a credit card.
What Should I Look for When Considering a Dispute Against RMS?
When you are studying your credit report, you will want to look carefully at the details associated with collection items from RMS.
In most cases, a dispute to RMS themselves will not do you much good. Therefore, you will need to keep evidence of your payments. Any dispute you file will need to be with the credit bureaus themselves. To be able to file a dispute, you will need to look for:
- Amounts showing as delinquent.
- Whether payments are being reported.
- Information related to when you began paying your loan.
- Notations of late payments when you have proof showing otherwise.
- If your loan is paid off or you have qualified for a disability discharge of your loan, whether the loan shows as paid on your report.
- Once your loan is paid, whether you are still receiving threatening phone calls from the RMS call center.
How to Get an RMS Dispute Removed
It is important that you record every contact you have with RMS including their attempts to reach you through others.
- Confirm with the Department of Education that your payments have been received.
- Confirm with the bank that checks have been cleared for the Department of Education.
- Confirm that your loan is paid in full by the Department of Education.
- Contact RMS with proof of payment.
- Endure the usual insults and abuse.
- Threaten legal action
- Hang up on them out of frustration.
- Call an attorney
- Find out how many hundreds of dollars it will cost just to prove that you have paid off your loan.
- Look to DoNotPay for assistance
Next Steps When You Cannot Get an RMS Dispute Removed By Yourself
Your first line of defense against RMS is by filing complaints with the Better Business Bureau and the Consumer Financial Protection Bureau (CFPB) branch of the Federal Trade Commission (FTC). You should also file complaints with each of the three credit bureaus, Experian, Equifax, and Transunion.
Ultimately, you may need to consult legal counsel and retain an attorney.
Another option is to get help from DoNotPay.
Get Help With Your RMS Dispute Using DoNotPay
If you have had no luck getting your RMS dispute resolved, DoNotPay has a solution.
If you want to clean up your credit report and handle your dispute resolution but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
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