Rushmore Service Center on Your Credit Report: Your Options

If Rushmore Service Center has appeared on your credit report or is calling you, confirm first that you’re dealing with the right Rushmore. Rushmore Service Center, LLC is a small Sioux Falls debt collector.

Rushmore Loan Management Services is a completely separate mortgage servicer also based in Sioux Falls. The two companies are frequently confused in consumer complaints, including on the BBB.

If your Rushmore contact involves an escrow account, foreclosure, or mortgage payment, that is the loan servicer, not the debt collector. This guide covers the debt collection company only.

Who Is Rushmore Service Center?

Rushmore Service Center, LLC is a nationally licensed third-party debt collection agency incorporated in 2009 and operating since 2011 in Sioux Falls, South Dakota. The company employs approximately 11 people and is led by CEO Miles Beacom and Director Justin Broughton.

RSC is not BBB-accredited and carries a D- BBB rating, attributed specifically to failure to respond to three complaints. Actual complaint volume is low: 11 CFPB complaints since 2015 and 5 BBB complaints in the past three years. The D- rating reflects responsiveness, not complaint frequency.

Why Rushmore Service Center Is on Your Credit Report

Rushmore Service Center provides collection services across multiple industries without specializing in any single category. Common account types include:

• Credit cards: Charged-off consumer credit balances.
• Healthcare: Hospital and clinic accounts.
• Retail: Store and service provider balances.
• Utilities: Gas, electric, and water service accounts.
• Government: Municipal and government-related fees.
• Purchased debt: Accounts bought from other creditors or debt buyers.

RSC also operates a first-party collections division, meaning they contact consumers about accounts that have not yet been charged off. If RSC is calling you but nothing has appeared on your credit report yet, the account may still be in the pre-charge-off stage. That is actually a better position to be in, as resolving it early may prevent a credit report entry altogether.

The Bankruptcy Discharge Warning

A documented 2017 federal court case describes Rushmore Service Center sending a collection letter to an Illinois consumer demanding payment on a debt that had been discharged in a Chapter 13 bankruptcy. The consumer hired a consumer attorney and sued RSC. The case settled.

If RSC is contacting you about a debt that was included in a bankruptcy proceeding, that debt cannot be legally collected. The bankruptcy discharge injunction prohibits any collection attempt. Document the contact immediately and contact a bankruptcy attorney or consumer protection attorney.

What RSC Cannot Do Under Federal Law

The FDCPA applies to Rushmore Service Center. Under federal law, they cannot:

• Threaten arrest or jail: Consumer debt is not a criminal matter.
• Call at odd hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
• Contact you at work after you say stop: Written cease-contact requests must be honored.
• Collect on bankruptcy-discharged debts: A documented RSC case.
• Use harassing language: Prohibited under federal law.
• Continue robocalls after you opt out: TCPA protections apply.

The Fair Credit Reporting Act gives you the right to dispute inaccurate information. File complaints at consumerfinance.gov. South Dakota residents can also contact the South Dakota Division of Banking.

Verify the Debt Before Paying Anything

Do not pay or admit the debt is yours until you have verified it. Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original creditor, the account number, the full balance breakdown, and the date of original delinquency.

If you have previously filed bankruptcy, also request confirmation that the account was not included in the bankruptcy proceeding before engaging further.

How to Check Your Credit Report for RSC Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct? Is the original creditor accurately identified? Does the account appear more than once under different names or entities? Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can RSC Legally Pursue the Debt?

South Dakota has a 6-year statute of limitations on written contracts and open accounts. If you no longer live in South Dakota, the relevant state is typically where you currently reside. Making a payment or acknowledging the debt in writing can reset the clock in some states.

Your Options for Resolving an RSC Account

Once you have verified the debt, consider your options:

• Resolve early if pre-charge-off: If RSC is contacting you before the account has been reported, resolving it now can prevent the credit report entry entirely.
• Negotiate a settlement: RSC may accept reduced amounts. Get any agreement in writing before paying.
• Request a pay-for-delete: Ask whether RSC will remove the account in exchange for payment. Get it in writing.
• Dispute if inaccurate or discharged in bankruptcy: If the debt was included in a bankruptcy or contains errors, dispute with the credit bureaus and consult an attorney.

If RSC Files a Lawsuit

RSC can sue on debts within the statute of limitations. Given their small size, litigation is less common than with larger national collectors. If you are sued, do not ignore the complaint. Respond within South Dakota’s deadline.

How to Contact Rushmore Service Center

Handle all communication in writing whenever possible. Here is how to reach them:

• Address: Rushmore Service Center, LLC, 3820 N Louise Ave, Sioux Falls, SD 57107
• Phone: (866) 950-7300

Bottom Line

Rushmore Service Center is a small South Dakota collector with low complaint volume but a documented case of collecting on bankruptcy-discharged debt. Confirm you have the right Rushmore before engaging, verify any debt before paying, and contact an attorney immediately if the account was included in a bankruptcy proceeding.