How to Remove Superlative RM From Your Credit Report

If Superlative RM shows up on your credit report, it usually means a debt collection account has been added. These accounts can lower your credit score and stay on your credit report for up to seven years. But with the right approach, you may be able to remove them sooner.

Who Is Superlative RM?

Superlative RM, short for Superlative Receivables Management, is a debt collection agency based in Elk Grove, California. They’re also known as Comstock Holdings. Their job is to collect unpaid debts on behalf of other companies.

If you see their name on your credit report, it likely means they believe you owe money to one of their clients.

Who Does Superlative RM Collect For?

Superlative RM works with a wide range of businesses, helping them recover unpaid debts. Their clients include:

• Auto lenders: Recovering defaulted car loans.
• Banks and credit unions: Collecting overdue loans or unpaid credit card balances.
• Credit card companies: Recovering past-due accounts from cardholders.
• Commercial businesses and debt buyers: Managing unpaid balances sold to third parties.
• Fintech companies and healthcare providers: Collecting outstanding payments.
• Retail card companies: Handling unpaid store credit accounts.

If you owe money in any of these categories, Superlative RM might be the agency trying to collect.

Is Superlative RM Legitimate?

Yes, Superlative RM is a legitimate debt collection company. They are authorized to collect debts for their clients. But even if they are legitimate, you should never assume a debt is valid without verifying the details first.

How to Remove Superlative RM From Your Credit Report

A collections account can damage your credit score, but it’s possible to remove it if the information is incorrect—or sometimes even if it’s valid.

Here are your options:

• Dispute Inaccuracies: If you believe there are errors in how the debt is reported, file a dispute with the credit bureaus. They are required to investigate and correct any inaccurate information.
• Request Debt Validation: You have the right to ask Superlative RM to prove the debt is yours and verify the amount is correct. If they can’t provide proper documentation, the account should be removed.
• Negotiate a Pay-for-Delete Agreement: In some cases, you can offer to settle the debt in exchange for removing the account from your credit report. Get any agreement in writing before making a payment.
• Work With a Credit Repair Company: If handling this on your own feels stressful, credit repair professionals can dispute inaccurate collections and handle the process for you.

Should You Contact or Pay Superlative RM?

Before reaching out to any collection agency, always verify the debt. Sometimes debts listed on your credit report are incorrect, already paid, or past the statute of limitations for collection.

Also, making a payment can reset the timeline for how long the account affects your credit, so be cautious. Many people choose to work with a credit repair company to avoid missteps and improve their credit more efficiently.

Will Superlative RM Sue You or Garnish Your Wages?

Superlative RM has the legal ability to sue for unpaid debts. If they win a lawsuit, they could pursue wage garnishment or other collection methods. However, lawsuits depend on factors like the amount owed, state laws, and company policies.

It’s important to understand your state’s rules regarding lawsuits and wage garnishment.

Complaints Against Superlative RM

Like many debt collectors, Superlative RM has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:

• Incorrect reporting on credit reports
• Harassment or aggressive tactics
• Failing to provide debt validation

If you experience these issues, consider filing a complaint with the appropriate agencies.

Your Rights When Dealing With Superlative RM

Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). You have protections, including:

• The right to dispute inaccurate or incomplete credit reporting
• The right to request debt validation within 30 days of first contact
• Protection from harassment, threats, or abusive language
• A requirement for collectors to clearly identify themselves and their purpose
• Prohibition of false threats like arrest or imprisonment

Knowing your rights can help you deal with Superlative RM more confidently.

Superlative RM Contact Information

Address:
Superlative RM
9355 E Stockton Blvd Ste 210
Elk Grove, CA 95624

Phone: (888) 558-0692

Take Action to Remove Superlative RM From Your Credit Report

Dealing with collections can feel overwhelming, but you don’t have to handle it alone. Credit Saint has helped thousands of clients challenge inaccurate items and improve their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.

For expert help disputing Superlative RM accounts, visit their website or call (855) 281-1510 today.