What To Do If RMCB Collections Is Hurting Your Credit Score

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Is RMCB Collections Hurting Your Credit Score?

With the American household debt hitting a staggering $15.58 trillion as of 2021, it's no wonder that more and more people are finding themselves struggling to keep up with their monthly payments. Delinquent payments can quickly snowball into a collections account, severely affecting your credit score.

If you're struggling to keep up with your payments and have an account, don't worry. DoNotPay can help you clean your credit report and improve your credit score. We've helped thousands of people just like you get back on track with their finances, and we can help you too. Read on to learn more about how DoNotPay can help you remove RMCB collections from your report and boost your credit score.

What Are RMCB Collections?

Retrieval-Masters Creditors Bureau (RMCB), also known as American Medical Collection Agency (AMCA), is a debt collection agency based in Elmsford, New York. RMCB operates as a recovery agency for consumer, commercial, and health care collections.

When you forget to pay a bill or default a loan, your original creditor may turn the account over to a debt collector like RMCB to recoup their losses. Whether or not you pay the debt, these charges will appear on your credit report as a collections account and can remain on your report for seven years. You can contact RMCB through the following:

RMCB Support/Contact UsContact Page
Phone number(800) 666-8097
AddressRetrieval-Masters Creditors Bureau, Inc.

4 Westchester Plaza

Elmsford, NY 10523

and

Retrieval-Masters Creditors Bureau, Inc.

200 Pemberwick Rd.

Greenwich, CT 06831

If you have an RMCB Collections account, it's vital to take action to clean up your credit report as soon as possible to avoid further damage to your credit score.

What Should I Look For on My RMCB Credit Dispute?

If you have an on your credit report, it's important to understand what this means and how it will affect your credit score. First, you should check your credit report to see exactly which accounts are being reported as delinquent.

You can get a free copy of your credit report once every 12 months from each of the three credit bureaus - Experian, Equifax, and TransUnion. Once you have your credit report, you'll want to dispute any erroneous information. This includes any accounts that are not yours or reported as delinquent when you have already paid the debt. Ensure the following details match the RMCB collections account and your credit report:

  • Personal information
  • Account information
  • Account collections dates
  • An original creditor by name and address
  • Inquiries
  • Account collections dates
  • Public records
  • The total amount of debt outstanding

In the event, there is a mismatch of the information, you need to dispute the account with the credit bureau and RMCB.

Effective Strategies on Successfully Disputing Your Credit Report

Since your credit score is a huge determinant of your overall financial health, it's essential to take steps to dispute your credit report if you have any incorrect entries. Here are some effective strategies on how to successfully dispute your credit report:

  1. Submit a letter to the credit bureau disputing the information
  2. Contact the original creditor that reported you to the credit bureau denying the information
  3. Send a pay for delete letter to your creditor
  4. Send a Goodwill letter to your creditor

If you are committed elsewhere or are after a super-easy and convenient way to remove collections from your credit report, you can leverage DoNotPay's credit repair services. Removing a collections account on your credit report will help improve your credit score, which in turn can help you get approved for a mortgage, car loan, or credit card.

Sue for an Unresolved Credit Report Dispute

If the credit bureau or RMCB fails to resolve your dispute, you have a right under the Fair Credit Reporting Act to sue them for any incorrect information on your credit report. You can escalate the issue to the CFPB and sue RMCB or the credit bureau under Section 1681s of the FCRA.

Alternatively, you can use DoNotPay to sue them in small claims court. DoNotPay will provide you with the necessary legal documents and back you up throughout the entire process, so you can focus on recovering your financial health and fixing your credit score.

How to Clean Up Your Credit Report on Your Own

A spontaneous credit report is critical when you are looking to buy a home, car, or get a credit card. If you have delinquent payments on your account with , it's essential to clean up your credit report as soon as possible. You can take the following steps to clean up your credit report on your own:

  1. Request your free annual credit report from the three credit bureaus and review it for any incorrect information
  2. Validate and verify all the information on your credit report
  3. Dispute any incorrect information with the credit bureau and RMCB by mail, phone, or online
  4. Allow for 30 days to have the credit bureau or RMCB investigate your claim.
  5. If the credit bureau or RMCB fails to resolve the dispute, you can sue them under the FCRA.

Next Steps for Cleaning up Your Credit Report if You Can't Do It Yourself

Disputing a collections account on your credit report is easy said than done. It can be a long and arduous process, especially if the credit bureau or RMCB fails to resolve your dispute. But this doesn't mean you let the collections account impact your credit report. DoNotPay can help you take care of the collections account and get your credit report cleaned up in no time. We'll send a credit dispute letter for inaccurate collections to the credit bureau and RMCB on your behalf and follow up with them until the account is removed from your credit report.

We will also fill out a goodwill removal request letter, submit a debt validation letter, and send a pay-to-delete letter to your creditor. You will only have to provide a few details, and we will handle all the legwork for you.

Remove RMCB Collections With the Help of DoNotPay

Cleaning your credit report doesn't have to be a daunting task. If you're struggling to do it yourself or just don't have the time, DoNotPay can help you remove RMCB collections quickly and easily. We'll take care of all the paperwork for you and follow up with the credit bureau and RMCB until the collections account is removed from your credit report.

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the 4 potential options:
    1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

    2. 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.

    3. 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!

    4. 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.

Why Use DoNotPay to Clean Your Credit Report?

Using DoNotPay to clean up your credit report has several distinct benefits, including:

  • Fast: No need to spend hours filling out paperwork and following up with creditors yourself. DoNotPay will take care of all of that for you quickly and easily.
  • Easy: You don't need to struggle filling out paperwork. We simplify the whole process within a few clicks.
  • Successful: We have helped hundreds of thousands of people clean their credit reports. We have a success rate of above 95%. You can rest assured we will do the same for you.

What Else Can DoNotPay Do?

Cleaning up your credit report to improve your credit score is one of the many issues DoNotPay can help you solve. We can also help remove late payments and unnecessary inquiries from your credit report. Other issues we can help you tackle include:

Access DoNotPay on your web browser today to remove the account from your credit report in just a few minutes!

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