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How to Remove Rash Curtis & Associates From Your Credit Report

Last updated 07/10/2024 by

Bamigbola Paul

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Rash Curtis & Associates is a debt collection agency known for purchasing and collecting debts on behalf of various creditors. This article explores who they collect for, how they affect your credit score, and strategies to deal with them effectively.
Dealing with debt collectors can be a daunting experience, especially when they start affecting your credit report. Rash Curtis & Associates is one such agency that many individuals encounter. This comprehensive guide will help you understand who they are, how they operate, and what you can do to manage or remove their entries from your credit report.

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Who is Rash Curtis & Associates?

Rash Curtis & Associates is a debt collection agency that buys debts from various creditors or collects on their behalf. Established in 1977, they have been in the industry for several years, aiming to recover funds for their clients, which often include credit card companies, healthcare providers, and other lending institutions.

How they acquire debts

Rash Curtis & Associates either purchases debts for a fraction of their original value or acts as a third-party collector. When they buy debts, it usually means the original creditor has given up on collecting the amount owed and sold it at a discount.

Impact on credit score

How collections affect your credit score

A collection account from Rash Curtis & Associates can significantly impact your credit score. Collections are considered serious derogatory marks and can lower your score, affecting your ability to secure loans, mortgages, or even rent an apartment.

Statute of limitations and its impact

Every debt has a statute of limitations, varying by state, which limits how long a collector can sue you for the debt. Understanding this can help you navigate your options when dealing with Rash Curtis & Associates.

Pro Tip

Always get any agreements in writing before making a payment. This ensures you have proof of the arrangement if the collector does not honor it.

Strategies for removing Rash Curtis & Associates from your credit report

Dispute inaccuracies

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes. If the information Rash Curtis & Associates has reported is incorrect, you have the right to dispute it. The Fair Credit Reporting Act (FCRA) provides guidelines for this process.

Pay-for-delete agreements

A pay-for-delete agreement involves negotiating with the debt collector to remove the negative entry from your credit report in exchange for payment. While not all agencies agree to this, it’s worth attempting with Rash Curtis & Associates.

Settlement vs. full payment

Settling your debt for less than the full amount can still negatively impact your credit report. It’s important to weigh the pros and cons and consider how this might affect your long-term credit health.

Request all correspondence in writing

Ensure a documented record of communications with Rash Curtis & Associates by requesting written correspondence. Contact Rash Curtis & Associates at the following address:
Rash Curtis & Associates contact information
190 S Orchard Ave Ste A200, Vacaville, CA 95688
PO Box 5790, Vacaville, CA 95696
Ph# +1 707-454-2010 or 866-729-2722

How to file a complaint against Rash Curtis & Associates

If you believe Rash Curtis & Associates has violated your rights or engaged in unfair practices, you can file a complaint with various regulatory agencies. Here are the steps to do so:

Contact the Consumer Financial Protection Bureau (CFPB)

The CFPB is a federal agency that oversees debt collection practices. You can file a complaint online at their website or by calling their hotline.

Report to your state attorney general

Each state has an Attorney General’s office that handles consumer protection issues. Check your state’s official website for details on how to file a complaint.

Pro Tip

Document all interactions and keep copies of your complaints for future reference. This can be crucial if you need to follow up or take further action.

What to do if Rash Curtis & Associates contacts you

When you receive communication from Rash Curtis & Associates, it’s important to know your rights and how to respond. This section will guide you on how to handle their calls and letters effectively.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices. Learn what practices are prohibited and how you can use the FDCPA to your advantage when dealing with Rash Curtis & Associates.

Negotiating a payment plan

If you owe a debt to Rash Curtis & Associates, negotiating a payment plan can be an option. This section will provide tips on how to approach these negotiations and what to consider to avoid further damage to your credit.


Dealing with debt collectors like Rash Curtis & Associates can be challenging, but understanding your rights and the strategies available can help you manage and potentially remove their impact from your credit report. Always approach these situations with caution and consider seeking professional advice if necessary.

Frequently asked questions

Does Rash Curtis & Associates hurt my credit score?

Yes, any collections account can significantly lower your credit score. It’s important to address these accounts promptly to mitigate the impact.

Should I pay Rash Curtis & Associates?

Paying off a collection can sometimes improve your credit score, but it won’t remove the negative mark from your report unless you negotiate a pay-for-delete agreement.

Is Rash Curtis & Associates a legitimate company?

Yes, Rash Curtis & Associates is a legitimate debt collection agency. They are not a scam, but their practices can sometimes be aggressive.

What are my rights when dealing with Rash Curtis & Associates?

You have the right to dispute any debt of yours that Rash Curtis & Associates is trying to collect. Rash Curtis & Associates is governed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which provide you with significant protections.

Can Rash Curtis & Associates sue me?

Rash Curtis & Associates has the potential to sue you if you owe an unpaid debt. However, it depends on the circumstances, such as the amount of the debt and the laws of your state. If they successfully sue you and receive a judgment, they may then have the legal right to garnish your wages or take other collection actions.

How can I get Rash Curtis & Associates to stop calling me?

To stop calls from Rash Curtis & Associates, you can request that they only communicate with you in writing. You also have the right to send a cease and desist letter, which will stop all further contact.

Will paying Rash Curtis & Associates improve my credit score?

Paying off the debt can change your credit report status from ‘unpaid’ to ‘paid,’ but the collections account may still remain on your report for up to seven years, affecting your credit score. It’s best to negotiate a pay-for-delete agreement.

Can I negotiate a settlement with Rash Curtis & Associates?

Yes, you can negotiate a settlement with Rash Curtis & Associates. Settling the debt for less than the full amount can help resolve the issue, but it’s important to understand how this might impact your credit score.

Key takeaways

  • Rash Curtis & Associates is a legitimate debt collection agency.
  • Collections can significantly impact your credit score.
  • You have rights under the FDCPA and FCRA to dispute and validate debts.
  • Negotiating pay-for-delete agreements can potentially remove negative entries.

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