If RGS Financial has shown up on your credit report, your credit score could be suffering. Here’s what to know about them—and how to get the account removed.
Who Is RGS Financial?
RGS Financial, Inc. is a third-party debt collection agency headquartered in Richardson, Texas. Their job is to collect unpaid debts from consumers on behalf of other businesses.
If RGS Financial appears on your credit report, it typically means a past-due account has been turned over to them for collection.
Who Does RGS Financial Collect For?
RGS Financial works with:
- Online lenders, including payday loan providers, peer-to-peer lenders, and other non-traditional financial institutions
- Credit card companies and financial services providers
The debts they collect often include unpaid personal loans, outstanding credit card balances, late fees, and interest charges.
Is RGS Financial Legitimate?
Yes, RGS Financial is a real debt collection agency. But even legitimate companies can report incorrect information, so it’s always important to verify any debt before making payments or agreeing to terms.
How to Remove RGS Financial From Your Credit Report
A collection account can stay on your credit report for up to seven years, lowering your credit score the entire time. But there are ways to get it removed:
- Dispute incorrect information: If the account details are inaccurate or do not belong to you, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation: You have the right to ask RGS Financial to provide proof that the debt is valid and the amount is accurate. If they cannot, they must remove the account from your credit report.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your credit report if you settle the debt. Always get the agreement in writing before sending any payment.
- Work with a credit repair service: Professionals can help dispute collections or negotiate removal on your behalf, saving you time and frustration.
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Should You Contact or Pay RGS Financial?
Before contacting RGS Financial, review your credit report and confirm the debt is legitimate. Credit reports often contain errors, and paying a debt without verifying the details can reset the clock, keeping the negative account on your credit report longer.
If the debt is valid, you can explore settlement or pay-for-delete options. Many people prefer to work with a credit repair company to avoid dealing with collectors directly.
Can RGS Financial Sue or Garnish Wages?
Yes, RGS Financial has the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
The actions they can take depend on your state’s laws. However, lawsuits are generally considered a last resort, as legal action is expensive and time-consuming for both sides.
Complaints About RGS Financial
Like many debt collectors, RGS Financial has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
Common complaints include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If your rights are being violated, you can file a formal complaint with the CFPB or BBB.
Your Rights When Dealing With RGS Financial
You are protected under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you the following rights:
- RGS Financial cannot report false or incomplete information on your credit report.
- You can request written proof that the debt is valid and accurate.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency in all communications.
- They cannot threaten arrest or legal actions they are not legally allowed to take.
RGS Financial Contact Information
Address:
RGS Financial
1700 Jay Ell Dr Ste 200
Richardson, TX 75081
Mailing Address:
RGS Financial
PO Box 852039
Richardson, TX 75085
Phone: (866) 941-8600
Get Help Removing RGS Financial From Your Credit Report
Dealing with collection accounts like RGS Financial can be stressful, but you don’t have to manage it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
With over 15 years of experience, they’ve assisted consumers in improving their credit—and they even offer a 90-day money-back guarantee for peace of mind.
Want to see how they can help? Visit their website or call (855) 281-1510 for a free consultation.

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.