Is Rushmore Service Center Hurting Your Credit?

If Rushmore Service Center, LLC has appeared on your credit report, it likely means a past-due bill has gone to collections. This can lower your credit score and stay on your report for years—unless you take action to remove it.

Who Is Rushmore Service Center, LLC?

Rushmore Service Center is a debt collection agency based in Sioux Falls, South Dakota. They’re licensed to collect debts nationwide and work on behalf of companies trying to recover unpaid balances.

If you see them listed on your credit report, they’re trying to collect a debt tied to your name.

What Types of Debt Do They Collect?

Rushmore Service Center collects for a wide range of industries, including:

• Credit card companies
• Retailers and service providers
• Medical and healthcare providers
• Utility companies
• Government agencies
• Debt buyers (purchased debt accounts)

This could include anything from an old medical bill to an unpaid utility charge or a forgotten credit card balance.

Is Rushmore Service Center Legit?

Yes, Rushmore Service Center is a legitimate and licensed debt collector. But that doesn’t mean every debt they report is valid. Debt collection agencies often report outdated or inaccurate information, so always verify any account before responding.

How to Remove Rushmore Service Center From Your Credit Report

A collection account can damage your credit for up to seven years. But in some cases, you can remove it early using the right steps.

1. Dispute Inaccurate Information

Check the details of the account for errors. If the balance, dates, or ownership are wrong—or the account isn’t yours—you can dispute it with the credit bureaus. If they find the information is incorrect, they’ll remove it from your report.

2. Request Debt Validation

You have the legal right to ask for proof that the debt is real and that Rushmore Service Center has the authority to collect it. Send a debt validation letter within 30 days of first contact. If they can’t verify the debt, they must stop collection efforts and remove the account.

3. Negotiate a Pay-for-Delete

You may be able to offer payment in exchange for Rushmore removing the account from your credit report. This is called a pay-for-delete agreement. While not guaranteed, some collectors will agree—especially for older or smaller debts. Always get the agreement in writing before paying.

4. Work With a Credit Repair Company

If you’d rather not handle the back-and-forth yourself, a credit repair service can step in and challenge the account on your behalf. They know how to deal with collection agencies and increase the chances of removal.

Should You Contact or Pay Rushmore Service Center?

Hold off until you’ve confirmed the following:

• The debt is accurate – Check for outdated, duplicate, or incorrect entries
• It belongs to you – Debt is sometimes misattributed to the wrong person
• It’s still collectible – Many debts have an expiration date, known as the statute of limitations

Also, be aware that making a payment can reset the statute of limitations in some states, which may give collectors more time to sue.

Can Rushmore Service Center Sue or Garnish Wages?

Yes, if they believe the debt is legally valid, Rushmore Service Center can sue you in court. If they win a judgment, they could:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

That said, lawsuits are typically a last resort. Most agencies try to resolve the matter through communication or settlement before escalating to court.

Rushmore Service Center Complaints

Rushmore Service Center has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Attempting to collect debts that aren’t owed
• Reporting inaccurate information
• Harassing phone calls
• Refusing to validate debts when asked

If your rights are being violated, you can file a complaint with the CFPB or your state’s attorney general.

Your Rights Under Federal Law

Two major laws protect you when dealing with debt collectors:

• The Fair Credit Reporting Act (FCRA) – Gives you the right to dispute inaccurate or outdated items on your credit report
• The Fair Debt Collection Practices Act (FDCPA) – Prevents debt collectors from using harassment, threats, or deceptive tactics

Here’s what that means in practice:

• You can request written debt validation
• Collectors must identify themselves clearly
• They can’t threaten arrest, use abusive language, or call you repeatedly
• They must stop contacting you if you send a written cease-and-desist request

Rushmore Service Center Contact Information

Address:
Rushmore Service Center, LLC
3820 N Louise Ave
Sioux Falls, SD 57107

Phone:
(605) 333-6299

Get Help Removing Rushmore From Your Credit Report

Feeling overwhelmed? You’re not alone. Credit Saint has helped thousands of people successfully remove negative items like Rushmore Service Center from their credit reports. They even offer a 90-day money-back guarantee if you’re not satisfied with the results.

To see if you qualify for help, visit their website or call (855) 281-1510 for a free consultation.