Who is Rushmore Service Center, LLC?
Rushmore Service Center, LLC is a nationally licensed debt collection agency based in Sioux Falls, South Dakota. Their primary role is to recover unpaid debts on behalf of their clients.
If you have an outstanding bill that has been sent to collections, you might see Rushmore Service Center listed on your credit report as a collections account.
Who does Rushmore Service Center collect for?
Rushmore Service Center serves a diverse range of sectors. They collect debts for credit card companies, government entities, healthcare providers, and retail businesses. They also handle purchased debt and unpaid utility bills. Their work involves recovering everything from unpaid balances and late fees to government-related and medical debts.
Is Rushmore Service Center legit or a scam?
Rushmore Service Center is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Rushmore Service Center from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Rushmore Service Center, LLC Contact Information
Address:
Rushmore Service Center, LLC
3820 N Louise Ave
Sioux Falls, SD 57107
Phone number: (605) 333-6299
Should I contact or pay Rushmore Service Center, LLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Rushmore Service Center is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rushmore Service Center, LLC on behalf of their clients.
Will Rushmore Service Center, LLC sue me or garnish my wages?
Rushmore Service Center, LLC does have the legal authority to sue you for an unpaid debt. If they win the lawsuit, they may be granted a judgment by the court, which could lead to wage garnishment, a lien on your property, or a levy on your bank account. However, this is typically a last resort for debt collectors, as the legal process can be lengthy and costly.
Rushmore Service Center Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rushmore Service Center, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Rushmore Service Center to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Rushmore Service Center, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Rushmore Service Center must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Rushmore Service Center cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Rushmore Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Rushmore collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
