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How To Remove RMP Services From Your Credit Report

Written by Mike Pearson
Updated September 21, 2022

If you’ve ever taken out a student loan, auto loan, mortgage, or any other type of loan but failed to pay it back, there’s a good chance they’re all listed on your credit report. Receivables Management Partners (RMP) is a debt collection agency that collects defaulted medical debts, but while they don’t always show up on your credit report, you might sometimes see them on your report. 

To remove RMP services from your credit report, you’ll need to dispute the debt. You can also write a debt verification letter requesting information about the debt. If the debt is long overdue, RPM Services is obligated to wipe your debt account off the credit report, whether you paid or not.

In this article, I’ll show you how to remove the RMP LLC credit report account potentially without paying your debt.

1. Ask RMP Services To Stop Contacting You

If you’re getting harassed by calls, text messages, emails, or letters from RMP Services about outstanding payments, it’s time to take action. 

Having a debt collector hound you over unpaid bills is stressful, no matter how dire your financial situation may be. But while they can seem like they want to see you in financial ruin, these collectors are just doing their jobs and are trying to get back the money owed to them by anyone who borrows money from them.

But as a consumer, you also have a right not to be pounded by debt collector calls, emails, text messages, and any form of harassment according to the Fair Debt Collection Practices Act:

  1. The debt collection agency should not threaten, abuse you, or use any means to harm you, your reputation, or your property.
  2. They should not call you repeatedly.
  3. The debt collector must not call you outside working hours before 8:00 AM or after 9:00 PM. 
  4. They should not contact you at work if your employer has restrictions about calling at the workplace.
  5. They should not use any profane language while contacting you about your debt.
  6. They should not contact your family, relatives, and friends or reveal the existence of the debt to anyone other than you or your attorney.

Additionally, RMP Services must cease communication if you ask them to stop. If you have a solid reason to believe that the debt collector has abused your rights in any way, you may be entitled to a settlement of up to $1000 per violation.

2. Send a Debt Validation Letter to RMP Services

A debt validation letter is a letter that you send to your creditor or collection agency, such as RMP Services, requesting proof of debt. The Fair Debt Collection Practices Act demands that the debt collector must provide certain information about the debt, including:

  1. The total amount of the debt.
  2. The creditor to whom the debt is owed.
  3. A 30-day notice that you can dispute the debt before it’s assumed to be valid.

The debt validation letter is probably your best shot at getting off the RMP Services radar if you can find false or invalid information about your debt. Like many other debt collection agencies, RMP Services often makes mistakes and attempts to collect invalid medical debts.

As such, it’s essential to point out that not all debts are valid even though you had them a couple of years ago. 

A debt validation letter requests information from the credit collection agency. But more importantly, it can help you identify whether the debt is out of its Statute of Limitations, which is the period where collection efforts can no longer be pursued. In most states, this period is between 6-7 years. 

In your debt validation letter, you may request the following information from RMP Services:

  1. The name and address of the original creditor.
  2. The total amount of debt when you first obtained it.
  3. An itemized list detailing all charges that were assessed against your account from the original creditor, including interest and penalties.
  4. Important dates, such as when it was incurred, its due date, and when it was deemed delinquent, as this will help you identify the statute of limitations.
  5. Supporting documents to show that you owe the debt and that you’re required to pay the debt.

A debt validation letter also helps prevent you from falling victim to scammers posing as debt collection agents. It also helps you plan your next move by detailing important dates to avoid triggering the statute of limitations.

3. Dispute Any Inaccurate Information on Your Credit Report

Debt collection agencies are required by law to maintain a reasonable standard of accuracy in your credit report. This means if there is any inaccurate information on your report, you have the right to dispute it and have it corrected. 

If you find any inaccurate information on your credit report, dispute it with the relevant credit bureau. 

To do this, you’ll need to find and present specific details about why you believe the information is false. For example, if there is an address listed for you that you’ve never lived at or perhaps even been to before, you’ll need to provide proof that this isn’t your residence, such as utility bills from a previous residence with the correct address. 

The more information you include, the easier it is for the collection agency to correct your report. To help with accuracy, provide copies of any documentation that supports your dispute.

Inaccurate information may be the result of identity theft or simply human error. However, the collection agency is legally obligated to stop communicating with you until they prove you actually owe the debt. 

Remember, you have 30 days to dispute a debt from the day you receive the debt validation letter.

4. Negotiate a Settlement With RMP Services

Negotiating with creditors probably won’t work when you’re facing overwhelming debt. Like most people, your first instinct is probably to ignore the calls, emails, and letters from RMP Services. But what if I tell you there’s a way to pay less for what you owe and remove RMP services from your credit report?

To understand how you can do that, let me tell you a little bit about how debt collection agencies do business.

Debt collection agencies work with creditors to collect debts from people who have fallen behind on credit card payments, loans, or bills. Creditors usually hire debt collectors to collect on past due accounts. These agencies may also buy uncollected debt from the original creditors at a ridiculous fraction of the value, then try to collect the total amount from the debtor. 

These agencies don’t always get back the total amount from the debtor. 

However, they make large profits after buying debt for such low prices and collecting the full, or almost full, amount. If yours is fairly old, there is a good chance that the agency will accept a settlement that’s less than the original amount owed.

How To Negotiate a Settlement With Rmp Services

Negotiating a debt settlement with creditors and winning is not something you want to jump into. Here are a few tips to help you:

  1. Calculate how much you can afford to pay.
  2. Call the agent and present your offer. Most of the time, the agent will most likely refuse your initial offer or make a counter-offer.
  3. As you close in on the amount you can afford, ask the agent to sign a release exempting you from a future collection once you pay what you agreed on.
  4. At this point, you may ask the service to remove its mark from your credit report as soon as you pay the settlement amount. Keep the agreement in writing before you make any payments.
  5. Once you make your agreed-on settlement and still see RMP services on your report, send them a reminder of your arrangement and use the written agreement as leverage to remind them of their obligation.

Unfortunately, there’s still a high chance that negotiating a settlement with the creditor may not work. It may also take days, weeks, or months to reach an agreement depending on who you speak to at the agency. 

However, RMP Services is not legally bound to accept your offer and will still refuse to accept your terms. But continuing to ignore your financial obligations while the debt is still fresh only makes things worse by hurting your credit score in the process.

Check out more tips about how to negotiate settlements and stand higher chances of winning.

5. Pay Off the Debt

Paying off your debt and waiting 7 years for RMP Services to disappear from your credit report sounds like a long way to go. Before we go any further, it’s important to point out that even if you pay off your debt, there’s no guarantee that the collection agency will vanish from your credit report.

On the bright side, paying your debt minimizes the damaging effects of unpaid debt on your credit report. 

However, the good news is that TransUnion, Equifax, and Experian began clearing settled medical debts starting July 1, 2022. That means that RMP Services should no longer appear on your credit report once you pay off your medical debt.

Don’t Pay Off the Debt and Wait Seven Years 

Optionally, you may choose to wait 7 years without paying off the debt. Unfortunately, this will significantly hurt your credit score, impairing your ability to seek debt funding for more pressing occasions, like mortgages to buy your house.

Waiting this long doesn’t mean that the debt is forgotten, however. It just means that it’s wiped off from the credit report. However, the debt still exists, and you may have to pay the collectors depending on your next action. For instance, they may still attempt using other means to collect the payment if you restart the clock by making a payment. 

This includes:

  1. Garnishing your wages.
  2. Suing if the amount goes well over $5,000, but some collectors may sue for less.
  3. Freeze your bank accounts.

The statute of limitations depends on what state you’re in. 

During this time, the agency can take action to collect a payment, but once that time lapses, the debt collection agency cannot sue for payment. So, if your debt is past the statute of limitations, refrain from making payment or implying that you will pay up, whether on the phone or in written form when speaking to the collector.

6. Seek Help From a Credit Repair Professional

It can be tough to dig your way out when your credit score takes a hit. Even if you manage to repair your credit by addressing the problem areas on your own, that often takes time and money. 

And if you don’t have the means or resources to repair your credit in a reasonable amount of time, hiring a credit repair professional to act on your behalf can be a great alternative.

A credit repair professional will assist you in: 

  1. Spotting the inaccurate information in your report.
  2. Disputing any debts that have gone past the statute of limitations.
  3. Advising you on how to communicate with your creditor.
  4. Educating you on how to build good credit moving forward. 

Credit repair is the process of cleaning up your credit report and scores. If any mistakes exist on your credit report, a credit repair professional can help you fix them and improve your credit score as a result.

Beware of scammers who will take all your money and vanish as soon as they get their hands on it. Always research who you entrust with your credit report. 

On the bright side, some legitimate professionals just want to help you fix your credit score for the better, often for a small fee. These professionals can be invaluable when repairing a damaged or insufficient credit score.

Key Things to Remember

  • Always communicate with the RMP Services via written means and store the communications. Write letters, and request the service to send proof of debt and other supporting documents in written form, e.g., certified mail. They’re easy to store and can help you in case you need to report abuse.
  • Watch out for scammers. If you receive a telephone call from someone claiming to be a debt collector, but you know that you don’t actually owe the money they say you do, it’s almost certain that you’re speaking with a scammer posing as a collector. 
  • Be informed and be patient. You need to be aware of some things when trying to remove debt collectors from your credit report. The collection agency must follow legal guidelines when collecting your debt. You also don’t want to be in a rush to make any payment. 

How Does a Debt Get Added to Your Credit Report?

A debt gets added to your credit report as a collection account, which is considered a derogatory mark on your credit report. Depending on the state you live in, you have a “statute of limitations” in which the collection account can be reported on your credit report and affect your credit score.

Your credit report is pulled by potential creditors, landlords, and employers and, in some cases, can affect your insurance premiums. 

If you have a debt or bills that have gone into collections and you have not paid them, they will be reported on your credit report as a collection account. When you have a collection account on your credit report, it will remain there for seven years, and it will likely cause your credit score to drop significantly.

Raise Your Credit Score

There is no way to sugarcoat it – being placed in collection definitely takes a toll on your credit. But rest assured, your credit score will recover over time. The trick is knowing what you can do now and what you need to do later to rebuild your credit in the long-term future.

Pay Off Any Existing Debt You Have

First and foremost, you’ll need to pay off your existing debt, which is the single most effective way to boost your credit score. If you have a lot of debt, your credit score will likely be low. If you have no debt, your credit score will likely be high. 

A high credit score will help you get better loan rates and make it much easier for you to get approved for loans.

Commit to a Monthly Financial Habit

If you commit to a monthly financial habit, it will help you save money for future expenses and improve your credit score. One of the best ways to improve your credit score is to make timely payments on any existing debt regularly. 

It can be helpful to put money in your savings account at the beginning of each month before making any other financial commitments, which will help you to save for future expenses. It can also improve your credit score. 

When credit bureaus see that you regularly make payments on time, they start to see you as a lower risk and will therefore give you a higher credit score.

Pay Your Bills on Time

This might seem like an obvious one, but it’s incredibly important. Some people don’t realize that your payment history is the single biggest factor in your credit score. If you pay your bills late, this will negatively impact your credit. 

You should always pay your bills on time. 

If you have many different bills with different due dates, it’s helpful to set up a reminder on your phone so you don’t forget to pay them. You’ll want to set up a system to ensure you pay your bills promptly. This will help you to avoid late fees, and it will help you to avoid negatively impacting your credit score.

Stay Out of Debt

If you have a large amount of debt, particularly credit card debt, it will negatively impact your credit score. You should try to stay out of debt as much as possible and avoid taking on any further debt unless you need to. 

Staying out of debt and living off your money will keep collectors away from your credit report. This will also ensure that you have a high credit score.

Review Your Credit Report

You should review your credit report every year to look for errors, and if you do find an error, you should contact the credit bureau and inform them of the error. 

Credit bureaus are responsible for accurate reporting, and if they make a mistake, they must correct it. If you find an error or mistake on your credit report and you have tried unsuccessfully to have it corrected, you can file a credit report dispute.


Being pursued by debt collectors is never a fun experience. The last thing you want is to have them appear on your credit report, which will likely cause your credit score to plummet. Thankfully, there are ways to remove debt collectors from your credit report.


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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.