How to Remove Range Credit Bureau From Your Credit Report

If Range Credit Bureau has shown up on your credit report, it likely means an unpaid debt has been sent to collections. This kind of account can hurt your credit score—but with the right steps, you may be able to remove it and protect your financial future.

Who Is Range Credit Bureau?

Range Credit Bureau, Inc. (RCB) is a third-party debt collection agency based in Hibbing, Minnesota. They work on behalf of creditors to recover past-due debts and are authorized to collect in multiple industries.

If you see their name on your credit report, it means they’ve been assigned or purchased a debt tied to your name.

What Types of Debts Do They Collect?

Range Credit Bureau collects on behalf of:

• Credit card companies
• Utility providers
• Telecommunications companies
• Medical offices and service providers
• Other retail and service businesses

These accounts can include everything from an old phone bill to a credit card balance or even a medical charge you forgot about.

Is Range Credit Bureau Legit?

Yes, Range Credit Bureau is a legitimate collection agency. But even though they’re legally allowed to collect debts, that doesn’t guarantee that the debt is valid or accurate. Collection records are often riddled with mistakes—so verify the details before paying or responding.

How to Remove Range Credit Bureau From Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but they don’t have to. Here are the most effective ways to try removing them early:

1. Dispute the Account

Start by reviewing the entry for errors. If the balance is wrong, the dates are off, or the account doesn’t belong to you, file a dispute with the credit bureaus. If the information is inaccurate or unverifiable, they’re required to delete it.

2. Request Debt Validation

You have the legal right to request proof that the debt is yours and that Range Credit Bureau is authorized to collect it. Send a debt validation letter within 30 days of their first contact. If they can’t validate the debt, they must stop collection efforts and remove the item from your credit report.

3. Negotiate a Pay-for-Delete

A pay-for-delete is an agreement where you offer to pay the debt (in full or part) in exchange for the account being removed from your credit report. Not all collectors will agree, but it’s worth trying—especially for smaller or older debts. Always get the agreement in writing.

4. Work With a Credit Repair Company

If you’re not comfortable managing the process yourself, a reputable credit repair company can handle the disputes and negotiations for you. This is often the fastest and least stressful way to get collections removed.

Should You Contact or Pay Range Credit Bureau?

Don’t contact or pay Range Credit Bureau until you’ve confirmed:

• The debt is legitimate
• The amount and account details are accurate
• The debt is still within the legal timeframe for collection (statute of limitations)

Also, be aware that making a payment can reset the clock in some states, giving the agency more time to sue you. Know your rights before taking action.

Can Range Credit Bureau Sue or Garnish Wages?

Yes, Range Credit Bureau can sue to collect a debt. If they take you to court and win, they may be able to:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

That said, lawsuits are usually a last resort. Most collectors prefer to negotiate a payment plan or settlement before going that route.

Complaints About Range Credit Bureau

Range Credit Bureau has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

• Trying to collect debts that were already paid
• Reporting incorrect account details
• Failing to respond to debt validation requests
• Harassing phone calls

If you experience any of this, consider filing a complaint with the CFPB or your state attorney general.

Your Rights Under Federal Law

The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. These laws give you the right to:

• Dispute inaccurate or outdated items
• Request written proof of the debt
• Be treated with fairness and respect
• Avoid harassment, threats, or misleading information
• Demand that they stop contacting you if you send a written cease-and-desist request

Collectors must also notify you that they’re attempting to collect a debt, both verbally and in writing.

Range Credit Bureau Contact Information

Address:
Range Credit Bureau, Inc.
310 E Howard St.
Hibbing, MN 55746

Phone:
(218) 263-8886

Need Help Removing Range Credit Bureau From Your Credit Report?

If you’re not sure what to do next, you’re not alone. Credit Saint has helped thousands of people challenge negative accounts—including those from Range Credit Bureau—and improve their credit. And if they can’t get results, they offer a 90-day money-back guarantee.

Call (855) 281-1510 for a free consultation or visit their website to get started.