Who is Superlative RM?
Superlative RM, also known as Superlative Receivables Management or Comstock Holdings, is a debt collection agency based in Elk Grove, California. They handle debt collection for a broad range of sectors.
This agency might appear on your credit report under a collections account, which implies that you have an unpaid debt.
Who does Superlative RM collect for?
Superlative RM boasts a diverse clientele, collecting debts for various types of companies. They cater to auto finance companies, assisting them in retrieving outstanding loan amounts. Similarly, they also serve banks and credit unions, aiding in the collection of defaulted loans or overdue credit card balances.
Credit card companies are another primary client, seeking help to recover unpaid balances from cardholders. Commercial businesses, debt buyers, fintech companies, healthcare providers, and retail card companies are other significant clients who rely on Superlative RM’s expertise to collect outstanding payments.
Is Superlative RM legit or a scam?
Superlative RM is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Superlative RM from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Superlative RM Contact Information
9355 E Stockton Blvd Ste 210
Elk Grove, CA 95624
Phone number: (888) 558-0692
Should I contact or pay Superlative RM?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Superlative RM is to work with a credit repair professional. They help remove millions of negative items every year from companies like Superlative RM on behalf of their clients.
Will Superlative RM sue me or garnish my wages?
Superlative RM has the legal right to sue you for nonpayment of a debt. However, whether they will take that action depends on several factors, such as the amount of the debt and the company’s specific collection policies. If a judgment is obtained against you in court, it could potentially lead to wage garnishment. It is essential to remember that laws regulating debt collection and garnishment vary by state.
Superlative RM Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Superlative RM
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Superlative RM to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Superlative RM may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Superlative RM must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Superlative RM cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Superlative RM From Your Credit Report Today!
Credit Saint can assist you in disputing Superlative RM accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates
Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.