If you’ve found Renton Collections on your credit report, you’re probably wondering what it means and how to deal with it. The good news: you have options. Here’s what you need to know—and how to get it removed if possible.
What Is Renton Collections?
Renton Collections, Inc. is a debt collection agency based in Renton, Washington. They collect unpaid bills on behalf of their clients, mostly in the healthcare space. If their name appears on your credit report, it usually means a medical debt has gone to collections.
Who Does Renton Collections Collect For?
Renton Collections mainly works with healthcare providers—like hospitals, clinics, and doctor’s offices. If you’ve ever had a past-due medical bill, there’s a chance it was handed over to them for collection.
Is Renton Collections Legit?
Yes, Renton Collections, Inc. is a legitimate debt collection agency. But even though they’re real, that doesn’t mean you owe them money. Always confirm the debt is valid before making any payments or agreeing to anything.
How to Remove Renton Collections From Your Credit Report
A collections account can hurt your credit score for up to seven years—but that doesn’t mean it has to stay that long. Here are your options:
- Dispute any errors – Start by checking the details of the account. If anything looks off (wrong balance, dates, or account info), file a dispute with the credit bureaus.
- Send a debt validation letter – You have the right to ask Renton Collections to prove the debt is yours and that the amount is accurate. 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 Renton Collections removing it from your credit report. Get the agreement in writing before sending any money.
- Work with a credit repair company – If you’re not sure where to start or just want help, a reputable credit repair company can guide you through the process.
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Should You Contact or Pay Renton Collections?
Don’t rush to call or pay right away. First, verify the debt. Paying a debt that’s past the statute of limitations could actually restart the clock and give collectors more time to sue you or report it.
Instead:
- Review your credit report carefully.
- Send a debt validation request.
- Weigh your negotiation options, including a possible pay-for-delete.
- Consider getting professional help if it feels overwhelming.
Can Renton Collections Sue You or Garnish Your Wages?
Yes, they can—if the debt is valid and within the statute of limitations. If Renton Collections sues you and wins, they could get a judgment that allows them to garnish your wages.
That said, lawsuits are usually a last resort. Collectors generally prefer to settle or work out a payment plan before going to court.
Common Complaints About Renton Collections
Like many collection agencies, Renton Collections has had complaints filed against it with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect debt reporting
- Harassing phone calls
- Refusal to verify the debt
If you experience any of these, you can file a complaint and reference your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
Know Your Rights Under Federal Law
When dealing with Renton Collections or any debt collector, federal law is on your side. Here are some key protections:
- You can request written proof of the debt.
- They must stop collection efforts until they verify the debt.
- They can’t harass, threaten, or mislead you.
- They must clearly identify themselves as debt collectors in all communications.
- They can’t tell your employer or others about your debt, or threaten you with arrest.
Renton Collections Contact Information
Address
Renton Collections, Inc.
211 Morris Ave S
Renton, WA 98057
Phone Numbers
(425) 255-8231
(800) 655-8231
Want Help Removing Renton Collections?
If you’re ready to clean up your credit for good, getting expert help can make the process easier and more effective.
Credit Saint is a reputable credit repair service that helps people dispute inaccurate accounts, negotiate removals, and rebuild their credit profiles. They’ve helped thousands—and they back their work with a 90-day money-back guarantee if you’re not satisfied.
Call (855) 281-1510 or visit their website to get a free consultation and see how they can help you move forward.
