Who is Superlative RM?
Superlative RM, also known as Superlative Receivables Management or Comstock Holdings, is a debt collection agency based in Elk Grove, California. They handle debt collection for a broad range of sectors.
This agency might appear on your credit report under a collections account, which implies that you have an unpaid debt.
Who does Superlative RM collect for?
Superlative RM boasts a diverse clientele, collecting debts for various types of companies. They cater to auto finance companies, assisting them in retrieving outstanding loan amounts. Similarly, they also serve banks and credit unions, aiding in the collection of defaulted loans or overdue credit card balances.
Credit card companies are another primary client, seeking help to recover unpaid balances from cardholders. Commercial businesses, debt buyers, fintech companies, healthcare providers, and retail card companies are other significant clients who rely on Superlative RM’s expertise to collect outstanding payments.
Is Superlative RM legit or a scam?
Superlative RM 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 Superlative RM 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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Superlative RM Contact Information
Address:
Superlative RM
9355 E Stockton Blvd Ste 210
Elk Grove, CA 95624
Phone number: (888) 558-0692
Should I contact or pay Superlative RM?
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 Credit reports can contain errors or list debts that are no longer valid.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 Superlative RM is to work with a credit repair professional. They help remove millions of negative items every year from companies like Superlative RM on behalf of their clients.
Will Superlative RM sue me or garnish my wages?
Superlative RM has the legal right to sue you for nonpayment of a debt. However, whether they will take that action depends on several factors, such as the amount of the debt and the company’s specific collection policies. If a judgment is obtained against you in court, it could potentially lead to wage garnishment. It is essential to remember that laws regulating debt collection and garnishment vary by state.
Superlative RM 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 Superlative RM
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 Superlative RM 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.
- Superlative RM cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Superlative RM 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.
- Superlative RM cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Superlative RM From Your Credit Report Today!
Credit Saint offers assistance with disputing Superlative RM accounts. 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.
