If you’ve noticed DCM Services on your credit report, you might be wondering what it is and how to get rid of it. DCM Services, LLC (Deceased Case Management Services) is a well-known debt collection agency based in Minneapolis, Minnesota. They work with companies to recover unpaid debts, including those tied to individuals who have passed away.
When an account goes to collections, it can show up on your credit report and hurt your credit score. Here’s what to know—and how to deal with it.
Who Does DCM Services Collect For?
DCM Services focuses on collecting debts for industries like:
- Healthcare providers
- Auto lenders
- Financial service companies
They also specialize in recovering debts from the estates of deceased individuals. If a family member has passed away, DCM Services might contact you regarding any outstanding balances tied to that estate.
Is DCM Services Legitimate?
Yes, DCM Services is a legitimate debt collection company. They are authorized to collect debts on behalf of other businesses. That being said, you should never automatically assume the debt is valid. Always double-check that any debt they claim you owe is accurate and belongs to you before making payments.
How to Remove DCM Services From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. If you want to remove DCM Services from your credit report, here are your options:
- Dispute Errors: If the account is incorrect or outdated, file a dispute with the credit bureaus. They are required to investigate and remove inaccurate information.
- Request a Pay-for-Delete: In some cases, you can negotiate a pay-for-delete agreement. This means offering payment in exchange for the account being removed from your credit report. Get the agreement in writing before sending money.
- Work With a Credit Repair Company: Professional credit repair services challenge questionable accounts every day, including those from DCM Services.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay DCM Services?
It’s smart to verify everything before reaching out to a debt collector. Check your credit reports for mistakes, make sure the debt is valid, and know your rights. Making a payment can restart the collection clock, so proceed carefully.
Many people choose to let credit repair experts handle communication with collection agencies to avoid mistakes and improve their chances of success.
Can DCM Services Sue You or Garnish Your Wages?
Debt collectors like DCM Services can sue you for unpaid debts. If they win the case, they may pursue options like wage garnishment, bank levies, or property liens—depending on your state’s laws.
Some states protect consumers from wage garnishment, so it’s illegal for collectors to threaten it where it’s not allowed. If you’re unsure about your state laws, consider speaking with a legal or credit professional.
DCM Services, LLC Contact Information
- Address:
DCM Services, LLC
7601 Penn Ave S A600
Minneapolis, MN 55423 - Phone Numbers:
(877) 326-8786
(612) 243-8620
Complaints About DCM Services
Like many debt collectors, DCM Services has complaints filed with agencies like the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting incorrect information
- Failing to validate debts
- Harassment or repeated phone calls
If you’ve experienced any of these, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report concerns
Know Your Rights When Dealing With DCM Services
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Your rights include:
- You can dispute inaccurate or incomplete information on your credit report.
- You have the right to request debt validation. Send DCM Services a written letter asking them to prove the debt is yours and the amount is correct. They must respond within 30 days.
- They cannot harass, threaten, or deceive you.
- They must clearly state they are a debt collector when contacting you.
- They cannot threaten you with arrest or jail over unpaid debts.
If a collector violates your rights, report them to the CFPB or seek legal help.
Remove DCM Services From Your Credit Report Today
Dealing with collection accounts can be stressful, but you don’t have to do it alone. Credit Saint has helped thousands of people challenge negative marks, including collections from companies like DCM Services.
They even offer a 90-day money-back guarantee if no questionable negative items are removed within the first 90 days. To qualify for the refund, you’ll need to stay active, submit your ID within five days, make all payments, and avoid adding new negative items to your report.
If you want help disputing collections and improving your credit, visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
