Receivables Performance Management on Your Credit Report? Fight Back and Win

Last Updated:
August 8, 2023

If you see "Receivables Performance Management" listed on your credit report, it means that your debt is seriously delinquent - Receivable Performance Management is a collection agency, and creditors only contact them when the account is so overdue that they've decided to charge off the debt.

This article will provide an overview of the processes surrounding debt collection agencies and how you can go about having Receivables Performance Management information removed from your credit report in order to safeguard your credit score. Understanding the steps necessary to succeed in this endeavor allows for more control over the road ahead as you work towards financial liberation.

What Does Receivables Performance Management Do?

Receivables Performance Management is a Washington-based debt collector established in 2002. The company purchases debts from creditors — who sell these debts at a significantly reduced rate — or offers their services for a fee. 

RPM works directly with consumers to attempt to come up with mutually agreeable payment arrangements. In some cases, they will even negotiate a settlement plan to discharge the debt for less than what was originally owed. Their goal is to collect as much of the money owed as quickly as possible without expending too many resources.

Is Receivables Performance Management a Legit Company?

Yes, Receivables Performance Management is a legit collection agency. If you need to get in touch with them about a debt, the company’s contact information can be found below:

  • Phone Number: (866) 269-9306
  • Address: 20818 44th Ave W Ste 140 Lynnwood, WA 98036-7709
  • Website:
  • BBB Rating: 1/5 

If you received a letter from the company, chances are that you're responsible for the repayment of the debt. However, if you don't recognize the debt, there's always a chance that the creditor has the wrong person - either due to a clerical error or even identity theft. 

To protect yourself and make sure that you do not take responsibility for any loan or debt you're not liable for, contact Fair Credit. Our firm specializes in discovering and disputing errors and getting them removed from your credit report.

What Can I Do If I’m Being Harassed by Receivables Performance Management?

If you receive a call from Receivables Performance Management regarding an outstanding debt, don't panic. Federal law outlines your rights when it comes to collecting and managing debt and the debt collector must abide by them. 

These laws grant you certain protections such as ensuring that the company follows legitimate means of contacting you, provides evidence and documentation pertaining to your account, limits communication attempts, and prevents false statements or lies. 

Some additional prohibitions under this law include the following:

  • Oppressive or abusive behavior such as the use of profane language, threats of violence, or obscene language;
  • Contacting a consumer by telephone outside of the hours of 8:00 am to 9:00 pm local time;
  • Publishing a list of consumers who allegedly refuse to pay a debt;
  • Contacting a consumer at his/her place of employment after being told that the employer prohibits such contact;
  • Utilizing false representations when attempting to collect a debt including falsely implying that taking any type of action will result in legal action being taken;
  • Failing to disclose the debt collector’s identity when contacting the consumer;
  • Collecting any fees or charges in excess of what is permitted by law; and
  • Failing to provide written notice within five days of initial contact informing the consumer about their rights under the FDCPA.

If you think your rights as a consumer have been compromised by a debt collector, it is essential to stand up for yourself and pursue legal action. Documenting violations and disputes with the debt collector can be a constructive tool that can help ensure success in court. 

If you choose to sue the collector, obtaining counsel from an attorney specialized in consumer law is highly encouraged. An experienced professional can assist you in preparing strong legal arguments and represent you effectively in court. 

How Can I Get Receivables Performance Management Removed from My Credit Report? 

Getting a collections account off your credit report can be a daunting task. It is important to understand that there are very specific steps needed to achieve this goal, so it’s important to arm yourself with knowledge and know-how. Here are 4 steps to take in order to get a Receivables Performance Management account removed from your credit report:

  • Request debt validation from the creditor

This will help you determine whether the debt is actually yours and if it is accurate information on your report.

  • Dispute the entry on your credit report

If the debt does not belong to you or contains incorrect information, then you can file a dispute with the three major credit bureaus (Equifax, Experian, and TransUnion). Once they investigate the claim, they will remove any inaccurate entries on your credit report as soon as possible.

  • Negotiate with the creditor

If you owe money and it is a legitimate debt, try negotiating with the creditor for a reduced balance or payment plan that works for both of you. This can help improve your score by proving that you are taking responsibility for paying off what you owe.

Once any incorrect entries have been removed from your credit report, it’s important to continue monitoring it regularly for any changes or new accounts that may appear. Monitoring your credit also helps ensure that any future debts do not become inaccurately reported or wind up on your credit report without your knowledge.

Contact Us For Your Free Case Review

Living with the stress of debt collectors taking advantage of you can be overwhelming. Thankfully, Fair Credit is here to put your mind at ease. We are committed to protecting our clients from unethical practices and we have experienced attorneys, who specialize in consumer law, on staff to make sure your rights are upheld and your financial future is secure. Don't wait - reach out to us today for a free case review.

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