Seeing RMC of America on your credit report can be frustrating, especially if you’re not even sure what the debt is for. Whether the account is legitimate or an error, it’s important to act quickly. Here’s how to deal with RMC of America and take steps to remove them from your credit report.
What Is RMC of America?
RMC of America is a debt collection agency based in White Hall, Arkansas. They’ve been in business since 1941 and collect unpaid debts on behalf of other companies. If you’ve missed a payment, especially for medical bills or utility services, your original creditor may have turned the account over to RMC for collection.
Who Does RMC of America Collect For?
RMC of America works with a wide range of businesses. Most commonly, they collect:
- Medical debts: Unpaid hospital or doctor bills
- Utility debts: Past-due bills for services like electricity, water, or gas
If one of these types of accounts has gone unpaid, that’s likely how RMC ended up on your credit report.
Is RMC of America Legit?
Yes, RMC of America is a legitimate debt collection company—not a scam. But just because they’re real doesn’t mean every claim they make is accurate. Always verify any debt before paying. Mistakes happen, and you have the right to challenge incorrect information.
How to Remove RMC of America From Your Credit Report
A collection account from RMC can stay on your credit report for up to seven years. But that doesn’t mean you’re stuck with it. Here are three ways to get it removed:
1. Dispute Any Inaccurate Information
Start by requesting a free copy of your credit report from all three major credit bureaus: Equifax, Experian, and TransUnion. Look for errors like:
- A balance that doesn’t match
- A debt that isn’t yours
- An account reported more than once
If you spot anything incorrect, file a dispute with the credit bureaus. They’re required to investigate and remove inaccurate information.
2. Ask for a Pay-for-Delete Agreement
If the account is accurate, try negotiating a pay-for-delete. This means you agree to pay (or settle) the debt in exchange for the account being removed from your credit report. Not all collectors agree to this, and there’s no guarantee—but it’s worth asking.
3. Get Help From a Credit Repair Professional
If you’d rather not deal with RMC yourself, consider working with a credit repair company. Reputable firms know how to challenge negative items, verify debt, and negotiate removals—often more efficiently than going it alone.
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Should You Contact or Pay RMC of America?
Before you call or pay anything, take a moment to protect yourself:
- Check the statute of limitations: If the debt is too old, paying it could restart the clock and hurt your credit further.
- Request debt validation: You have the right to ask RMC for written proof that the debt is yours and that they’re authorized to collect it.
- Don’t make verbal agreements: Get everything in writing, especially if you agree to settle or pay-for-delete.
Unless you’re sure the debt is valid and you’re ready to resolve it, it may be smarter to work through a credit repair service.
Can RMC of America Sue or Garnish Wages?
They can sue, but it’s usually a last resort. If they win a lawsuit against you in court, they could get a judgment that allows wage garnishment. This means a portion of your paycheck could be withheld to repay the debt.
That said, most collection agencies prefer to avoid court. They’re often open to payment plans or settlement offers to resolve the account without legal action.
RMC of America Contact Information
Here’s how to reach them:
Address:
RMC of America
7401 Dollarway Rd
White Hall, AR 71602
Phone:
(877) 448-2302
(870) 535-1220
If you contact them, do it in writing and keep copies of everything.
RMC of America Complaints
Like many debt collectors, RMC has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate debt
- Harassment or repeated calls
- Refusal to validate debt
You have rights under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). If RMC violates those rights, you can file a complaint or even take legal action.
Final Thoughts
If RMC of America is showing up on your credit report, don’t let it sit there unchecked. Start by verifying the debt, disputing any errors, and exploring settlement options. Whether you handle it yourself or get expert support, taking action is key to improving your credit.
Need help fast? Credit Saint has experience working with collection agencies like RMC of America and has helped thousands of people remove negative marks from their credit reports. They also offer a 90-day money-back guarantee if you’re not satisfied.
Call (855) 281-1510 or visit their website to learn more.
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.
