If you’ve noticed Rocket Receivables on your credit report, you’re likely dealing with a collection account. Collections can lower your credit score for up to seven years, but there are ways to handle the situation—and possibly get it removed.
Who Is Rocket Receivables?
Rocket Receivables is a debt collection agency based in Wilmington, Delaware. They operate under Transworld Systems, Inc. (TSI), a larger financial services company. Rocket Receivables works with businesses to collect unpaid debts and often reports those debts to the credit bureaus.
If their name appears on your credit report, it means a debt you owe was sent to them for collection.
Who Does Rocket Receivables Collect For?
Rocket Receivables collects past-due accounts for a wide range of industries, including:
- Healthcare providers
- Educational institutions
- Professional services
- Trade businesses and contractors
- Residential and commercial service companies
If you’ve fallen behind on payments with one of these businesses, your account may have been turned over to Rocket Receivables.
Is Rocket Receivables Legitimate?
Yes, Rocket Receivables is a real debt collection agency. They are legally authorized to collect debts on behalf of businesses. That said, you should always confirm that any debt they claim you owe is valid before making a payment.
How to Remove Rocket Receivables From Your Credit Report
A collection account can seriously impact your credit score, so addressing it quickly is important. Here are your options for removing the account:
- Dispute inaccuracies: If the account details—such as the balance, dates, or ownership—are incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Request debt validation: You have the right to ask Rocket Receivables to prove the debt is yours and that the amount is accurate. If they can’t provide proper validation, they must stop collection efforts and remove the account from your credit report.
- Negotiate a pay-for-delete: In some cases, you can offer a payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help people challenge inaccurate collections and may improve your chances of removal.
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Should You Contact or Pay Rocket Receivables?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports often contain outdated or incorrect information. Making a payment can also restart the statute of limitations, which might give the collector more time to take legal action.
If you’re unsure how to handle the situation, working with a trusted credit repair company can help protect your credit and handle the process effectively.
Can Rocket Receivables Sue You or Garnish Your Wages?
Debt collectors like Rocket Receivables can sue you to recover unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on state laws)
Most collection agencies see legal action as a last resort due to the time and expense involved. They often prefer to settle accounts without going to court.
Rocket Receivables Complaints
Many collection agencies have complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting to credit bureaus
- Harassment or excessive phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Rocket Receivables
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Rocket Receivables.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or outside reasonable hours
- Misrepresent who they are or their intentions
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Knowing your rights helps you manage collection accounts with more confidence.
Rocket Receivables Contact Information
Here’s how to reach them if you choose to communicate:
Rocket Receivables (Transworld Systems, Inc.)
150 N Field Dr.
Lake Forest, IL 60045
Mailing Address:
Rocket Receivables
PO Box 15618
Wilmington, DE 19850
Phone: (844) 822-3534
Always keep written records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Rocket Receivables From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
Visit their website or call (855) 281-1510 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.