If Grimm Collections appears on your credit report, it usually means an unpaid debt has been sent to collections. Collection accounts can hurt your credit score and make it harder to get approved for loans, credit cards, or even rental housing.
Here’s how to handle Grimm Collections and take steps to get them removed from your credit report.
Who Is Grimm Collections?
Grimm Collections, Inc. is a debt collection agency based in Tumwater, Washington. They’ve been in business since 1945, working with various organizations to recover unpaid debts. If you’ve fallen behind on payments, the original creditor may have turned your account over to Grimm Collections, resulting in a collections account on your credit report.
Who Does Grimm Collections Collect For?
Grimm Collections works with clients across Washington State, including:
- Local businesses – Unpaid invoices or service bills
- Municipalities – Outstanding taxes, utility bills, or fines
- Healthcare facilities – Unpaid medical bills or health service fees
If you have outstanding debts in any of these areas, Grimm Collections may be the agency contacting you.
Is Grimm Collections a Scam?
No, Grimm Collections is not a scam. They are a legitimate, licensed debt collection agency. However, that doesn’t mean every account they report is valid. Always verify the debt before making payments to ensure the details are accurate and the debt is still legally collectible.
How to Remove Grimm Collections from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to 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 Grimm Collections to provide written proof that the debt is valid. If they can’t, they must stop reporting the account.
- Negotiate a pay-for-delete: In some cases, you may be able to settle the debt in exchange for having the account removed. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and 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 Grimm Collections?
Before reaching out to Grimm Collections or making a payment:
- Verify the debt belongs to you
- Confirm the amount is accurate
- Understand your rights under your state’s laws, including the statute of limitations
Be careful—paying an old debt without a clear plan can sometimes restart the collection timeline and hurt your credit further. Many people work with credit repair experts to manage this process properly.
Can Grimm Collections Sue You or Garnish Your Wages?
Yes, Grimm Collections has the legal right to sue for unpaid debts. If they win in court, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. Legal action is typically a last resort, as most collection agencies prefer to negotiate payment plans or settlements before taking that step.
Grimm Collections Contact Information
Physical Address:
Grimm Collections
1677 S 2nd Ave SW
Tumwater, WA 98512
Mailing Address:
P.O. Box 15209
Tumwater, WA 98511
Phone Numbers:
(800) 584-8908
(360) 754-6333
Grimm Collections Complaints
Like many debt collectors, Grimm Collections has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive calls
- Failure to verify debts
If you experience these issues, you have the right to file a formal complaint and take further action to protect yourself.
Your Rights When Dealing with Grimm Collections
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide legal protections when dealing with debt collectors:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves as a collection agency
- They cannot threaten arrest or legal actions they aren’t authorized to take
Knowing your rights helps you protect your credit and handle collection agencies with confidence.
Get Grimm Collections Removed from Your Credit Report
If Grimm Collections is hurting your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to clean up 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.
