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How to Remove Receivables Control Corporation From Your Credit Report

Last updated 07/10/2024 by

Bamigbola Paul

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Receivables Control Corporation (RCC) is a debt collection agency that can negatively impact your credit score by reporting collection accounts. This article explores who RCC collects for, how they operate, and strategies to remove their collections from your credit report. Learn about your rights under the FDCPA and FCRA, and discover practical tips for dealing with RCC effectively.
Receivables Control Corporation (RCC) is a prominent name in the debt collection industry. If you’ve found their name on your credit report, you’re likely dealing with a collections account. This article delves into who RCC collects for, how their presence affects your credit score, and the steps you can take to remove their negative mark from your credit history. Understanding your rights and the nuances of dealing with collection agencies is crucial for maintaining a healthy credit profile.

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Who does Receivables Control Corporation collect for?

Receivables Control Corporation collects debts on behalf of various creditors. These creditors may include banks, credit card companies, medical providers, and other lenders who have written off debts as uncollectible. RCC either purchases these debts at a fraction of their original value or is hired to collect on behalf of the original creditor. The debts they collect can range from personal loans to credit card balances and even unpaid medical bills.

Impact on your credit score

Having a collection account from RCC on your credit report can significantly damage your credit score. Collections accounts are considered derogatory marks and can stay on your credit report for up to seven years from the date of the first delinquency. This can make it challenging to obtain new credit, secure a mortgage, or even get approved for rental applications.

Pro Tip

Always request debt validation in writing within 30 days of their first contact. This can help you dispute inaccurate or incomplete information.

How to remove Receivables Control Corporation from your credit report

Removing a collections account from your credit report involves a few strategic steps. Here’s a detailed guide to help you through the process:

Validate the debt

The first step is to request debt validation from RCC. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask for verification of the debt. This ensures that RCC has the correct information and legal right to collect the debt.

Dispute inaccuracies

If there are inaccuracies in the debt information provided by RCC, you can dispute them with the credit bureaus. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate your dispute and correct any errors.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with RCC to remove the collections account from your credit report in exchange for payment. This is often challenging, as not all collection agencies agree to such terms, but it can be worth attempting.

Goodwill deletion request

If the debt is paid, you can request a goodwill deletion. This involves asking RCC to remove the negative mark out of goodwill. While not always successful, some creditors and collectors may agree to this if you have a good payment history.

Request all correspondence in writing

Ensure a documented record of communications with Receivables Control Corporation by requesting written correspondence. This can help you keep track of all interactions and provide evidence if you need to dispute any claims or file complaints. Contact Receivables Control Corporation at the following address:
Receivables Control Corporation contact information
7373 Kirkwood Court, Suite 200, Maple Grove, MN 55369
Ph# +1 763-315-9630

How to file a complaint against Receivables Control Corporation

If you believe that Receivables Control Corporation has violated your rights or engaged in unethical practices, you can file a complaint with various agencies. Here are the steps to file a complaint:
1. Consumer Financial Protection Bureau (CFPB): The CFPB handles complaints about financial products and services, including debt collection practices. You can file a complaint online through their website.
2. Federal Trade Commission (FTC): The FTC oversees and enforces the Fair Debt Collection Practices Act (FDCPA). You can file a complaint with the FTC if you believe your rights under the FDCPA have been violated.
3. State Attorney General’s Office: Your state’s Attorney General’s office can also assist with complaints against debt collectors. Check their website for the process of filing a complaint.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain rights when dealing with debt collectors. Understanding these rights can help you navigate interactions with Receivables Control Corporation more effectively.

Steps to take if you’re sued by Receivables Control Corporation

In the rare event that RCC files a lawsuit against you, it is crucial to know the steps you need to take. This includes responding to the lawsuit, seeking legal advice, and understanding your options.

Impact of collection accounts on your credit report

Learn about how collection accounts, like those from RCC, impact your credit score and what you can do to mitigate this impact. This section covers strategies for rebuilding your credit after dealing with collection accounts.


Dealing with Receivables Control Corporation can be daunting, but understanding your rights and the steps to remove their collections account from your credit report can empower you to take control of your financial situation. By validating the debt, disputing inaccuracies, and exploring negotiation options, you can improve your credit profile and move towards a healthier financial future.

Frequently asked questions

Is Receivables Control Corporation a legitimate company?

Yes, Receivables Control Corporation is a legitimate debt collection agency. They are not a scam, but they may employ aggressive tactics to collect debts. It’s essential to know your rights when dealing with them.

Should I ignore calls from Receivables Control Corporation?

Ignoring calls from RCC is not advisable. While it might be tempting to avoid their calls, it’s better to address the situation directly. Ignoring their attempts to contact you could lead to further collection actions or even legal proceedings.

Can Receivables Control Corporation sue me?

While it is not common for RCC to sue, it is within their legal rights to do so if they believe it is necessary to collect the debt. It’s crucial to respond to any legal notices and seek legal advice if you are facing a lawsuit.

How long can Receivables Control Corporation collect on a debt?

The statute of limitations for debt collection varies by state, typically ranging from three to six years. After this period, RCC can still attempt to collect the debt, but they cannot take legal action to enforce it.

What should I do if I find errors on my credit report?

If you discover errors on your credit report, you should immediately dispute them with the credit bureaus. Provide documentation to support your dispute and ensure that the bureaus correct any inaccuracies.

Key takeaways

  • Receivables Control Corporation (RCC) is a debt collection agency that can impact your credit score.
  • Validating the debt and disputing inaccuracies are crucial steps in removing a collections account.
  • Pay-for-delete agreements and goodwill deletions can be attempted but are not always successful.
  • Understanding your rights under the FDCPA and FCRA can help you effectively manage debt collection efforts.
  • Ignoring calls from RCC is not advisable; addressing the situation directly is the best approach.

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