If Genesis Credit Management shows up on your credit report, it likely means an unpaid apartment lease debt has been sent to collections. This type of account can lower your credit score and affect your ability to rent future apartments, get approved for loans, or open new lines of credit.
Here’s how to handle Genesis Credit Management and work toward getting them removed from your credit report.
Who Is Genesis Credit Management?
Genesis Credit Management, also known as Columbia Debt Recovery, is a debt collection agency based in Everett, Washington. They work with businesses to collect unpaid debts, with a strong focus on apartment lease collections.
If you’ve left an apartment with an unpaid balance, your landlord or property management company may have turned the debt over to Genesis Credit Management, which can lead to their name appearing on your credit report.
Who Does Genesis Credit Management Collect For?
Genesis Credit Management primarily works with:
- Apartment complexes
- Property management companies
- Individual landlords
These debts often include:
- Unpaid rent
- Lease break fees
- Damages charged after move-out
- Other outstanding lease-related balances
If you owe money related to an apartment lease, Genesis Credit Management may be the agency contacting you.
Is Genesis Credit Management a Scam?
No, Genesis Credit Management is not a scam. They are a legitimate debt collection agency authorized to collect on behalf of their clients.
That said, never assume the debt is valid without verifying the details. Incorrect or outdated information can sometimes appear on your credit report.
How to Remove Genesis Credit Management from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to potentially get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You can ask Genesis Credit Management to provide proof the debt is valid. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: In some cases, you can offer to pay the debt in exchange for having the account removed from your credit report. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge inaccurate or unfair negative items and may improve your chances of removal.
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 Genesis Credit Management?
Before contacting Genesis Credit Management or making a payment:
- Verify the debt belongs to you
- Confirm the amount is correct
- Understand your rights under your state’s laws, including how old the debt is
Be cautious—paying a debt without a proper plan can sometimes reset the collection timeline and impact your credit score. Many people work with credit repair experts to manage the process properly.
Can Genesis Credit Management Sue You or Garnish Your Wages?
Yes, Genesis Credit Management has the legal right to sue for unpaid debts. If they win the case, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. However, lawsuits are generally a last resort. Most collection agencies prefer to set up payment plans or settlements before pursuing legal action.
Genesis Credit Management Contact Information
Address:
Genesis Credit Management, LLC
906 SE Everett Mall Way, Ste 301
Everett, WA 98203
Phone Numbers:
(866) 863-9194
(509) 836-5558
Genesis Credit Management Complaints
Like many debt collectors, Genesis Credit Management has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Harassment or excessive phone calls
- Refusal to verify debts
If you experience harassment or believe the information reported is incorrect, you can file a formal complaint.
Your Rights When Dealing with Genesis Credit Management
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors. These rights include:
- The ability to dispute inaccurate information
- The right to request debt validation within 30 days
- Protection from harassment, threats, or abusive language
- The requirement for debt collectors to clearly identify themselves
- Protection from false threats of arrest or legal action
Understanding your rights makes it easier to deal with collection agencies and protect your credit.
Get Genesis Credit Management Removed from Your Credit Report
If Genesis Credit Management is damaging your credit, and you want help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people remove negative items from their credit reports every year—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to take control of 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.
