If RentDebt Automated Collections has shown up on your credit report, your credit score could be suffering. Here’s what to know about who they are, what they collect, and how to remove their account from your credit report.
Who Is RentDebt Automated Collections?
RentDebt Automated Collections, LLC (RDAC) is a debt collection agency based in Nashville, Tennessee. They collect unpaid debts for their clients, primarily in the rental housing industry.
If you see RDAC listed on your credit report, it means they are trying to collect a debt you have not paid.
What Types of Debts Does RentDebt Automated Collections Collect?
RentDebt Automated Collections focuses on unpaid debts related to housing and property management. They collect:
- Overdue rent for apartments and rental homes
- Past due payments for student housing
- Unpaid storage unit fees
If you’ve fallen behind on rent or similar payments, RDAC may be trying to collect the debt.
Is RentDebt Automated Collections a Legitimate Company?
Yes, RentDebt Automated Collections is a real debt collection agency. They are authorized to collect debts for their clients.
Even so, always verify the details before making payments. Credit reports often contain errors, and not every debt is valid.
How to Remove RentDebt Automated Collections From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But there are ways to try to remove them sooner:
- Dispute inaccurate information – If the debt doesn’t belong to you or is incorrect, file a dispute with the credit bureaus.
- Request debt validation – You can ask RDAC to provide proof the debt is valid and belongs to you.
- Negotiate a pay-for-delete – Some agencies may agree to remove the account from your credit report if you settle the debt.
- Work with a credit repair company – Experts can help challenge negative items and guide you through the process.
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 RentDebt Automated Collections?
Before contacting them or making payments, confirm the debt is accurate and legally enforceable. Some debts may be incorrect or past the statute of limitations.
Key points to remember:
- Making a payment can reset how long the debt stays on your credit report.
- You can request written proof before making any payments.
- Credit repair companies can help you manage the situation and avoid common mistakes.
Can RentDebt Automated Collections Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they file a lawsuit and win, they may be granted a judgment, which could lead to:
- Wage garnishment
- Bank account levies
- Property liens
What actions they can take depends on state laws. Most collection agencies prefer to arrange a payment plan rather than pursue legal action.
RentDebt Automated Collections Contact Information
Address:
RentDebt Automated Collections
2802 Opryland Drive
Nashville, TN 37214
Phone Number: (866) 376-7834
Complaints About RentDebt Automated Collections
Many collection agencies receive complaints, and RDAC is no exception. Issues reported to the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) often include:
- Incorrect reporting to credit bureaus
- Harassing phone calls
- Failure to verify debts
If you experience these problems, you can file a complaint and take steps to protect your rights.
Your Rights When Dealing With RentDebt Automated Collections
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair collection tactics:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They cannot harass you, repeatedly call, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to handle collection accounts.
Remove RentDebt Automated Collections From Your Credit Report Today
If dealing with collection accounts feels overwhelming, help is available. Credit Saint has over 15 years of experience helping clients challenge negative credit report entries, including accounts from RentDebt Automated Collections.
They even offer a 90-day money-back guarantee, giving you peace of mind while working to improve your credit.
Call (855) 281-1510 or visit their website 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.
