Receivables Performance Management (RPM Payments) on Your Credit Report? Fight Back and Win

Last Updated:
April 27, 2023

Are you getting phone calls from someone who says they’re with Receivables Performance Management? Maybe you’ve gotten something in the mail from the company, or it could be that you checked your credit report only to see a drop in your score because of a delinquent account reported by Receivables Performance Management. If so, you probably have questions and also some concerns considering the impact that your credit score has on your life.

There are ways to get Receivables Performance Management off your credit report, but you may need help. You can also get the calls and communication to stop.

What Is Receivables Performance Management?

Also known as RPM Payments, Receivables Performance Management is a third-party debt collector. You could be confused as to why you’re hearing from them or seeing them on your credit report when you aren’t familiar with the name. That’s common with third-party debt collectors like RPM Payments. These companies aren’t the original creditor. 

Instead, they buy debt from other companies and try to collect what they can, or the company might contract them to collect the debt and then pay them a fee when they’re successful.

Why Is Receivables Performance Management Calling Me?

If you’re getting calls or any other type of contact from RPM, they’re trying to collect a debt. Whether or not you owe that debt needs to be determined. You can start by checking your credit report; from there, you can contact an attorney who can get more details on the debt. 

Who Is Receivables Performance Management Collecting For?

RPM collects for financial and banking companies, credit card companies, utility providers, and telecommunications companies like cellular phone companies. They also collect for healthcare organizations, retail companies, and state and local governments.

Is Receivables Performance Management a Scam?

Receivables Performance Management isn’t a scam. They’re a legitimate debt collector, and they’re accredited by the Better Business Bureau. Contact information for RPM is:

  • Address: 20818 44th Ave. W, Suite 140, Lynwood, WA 98036
  • Phone number: 866-269-9306
  • Website:

While they’re legitimate and not a scam, that doesn’t mean there aren’t numerous consumer complaints about how this company does business. According to the Better Business Bureau, there have been hundreds of complaints and negative reviews against Receivables Performance Management in the past three years.

So what are the big issues leading to these consumer complaints?

A major complaint potentially violates federal law, the Fair Credit Reporting Act. Numerous consumers say that Receivables Performance Management failed to provide them with any form of verification for the debt they’re contacting them about. 

Recently, a study showed that more than one-third of Americans who were asked to check their credit reports found errors, so it’s an incredibly common problem, highlighting the importance of determining the legitimacy of a debt before taking any other action. A Fair Credit Reporting Act attorney can determine the best steps to get the details of a debt and verify if it’s legitimate. 

Many consumers say that the amounts RPM say they owe are wrong or accounts were paid in full, yet the company continued calling and trying to collect them.

Some of the most common errors that people have on their credit reports include:

  • Creditors report old debts that should have fallen off as new or re-aged. Re-aging on a debt is when there’s a clock restart for the statute of limitations. 
  • An account is reported as active despite a consumer having closed it voluntarily.
  • Negative information on a credit report is supposed to be removed after seven years generally, and 10 for certain things like bankruptcies. If it isn’t, this is a violation of the FCRA.
  • If a debt was settled or paid in full, it might still be reported as charged off.
  • There are errors involving identity. For example, you could be the victim of identity theft, or your name and personal information could have been mixed with someone else’s.

What If Receivables Performance Management Doesn’t Follow Dispute Procedures?

Another protection consumers have under the FCRA is that the creditor has to take certain actions when they dispute a debt incorrectly reported. They have to do a reasonable investigation of the dispute and submit corrected information.

Even though federal law requires creditors and debt collectors to follow certain steps, they don’t always do that.

Filing complaints with consumer protection organizations may not be enough to get the attention of a debt collector and get them to take the appropriate action. In that case, your best option may be to work with an FCRA attorney.

How Do I Get This Company Off My Credit Report?

If you legitimately owe a debt that RPM is trying to collect, it’s still a good idea to speak with an FCRA attorney before you talk with RPM or take further action. 

You should also be aware that federal regulations limit debt collectors in certain ways. For example, debt collectors can’t harass or threaten you, even when you owe a debt. They also can’t purposely try to contact you at inconvenient times.

These actions are illegal under the Fair Debt Collection Practices Act (FDCPA), which went into effect in November 2021.

What if you don’t owe the debt, there’s an error, or it should no longer be on your credit report? That’s a different scenario and one that consumers often face. In this situation, it can take legal action to get a collections company to take notice and remove the adverse reporting from your credit under FCRA laws. 

It’s not always enough to submit a dispute on your own. A consumer rights attorney can be an excellent resource in these situations.

Reach Out for a Free Case Review

There’s no reason that you should have to continue to deal with the impact of negative information on your credit report and potentially constant phone calls and harassment at the same time. If you need help with Receivables Performance Management, our FCRA attorneys can help. Contact Fair Credit for a free review of your case, so you can repair your credit report and move forward.

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review