865-694-1140 belongs to RMB. They’re a debt collector reporting a collection account on your credit report.
This can mean 2 things:
The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).
There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.
Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.
The best news? We’ve helped thousands of customers remove RMB from their credit reports (without having to pay their debt). When RMB is removed from your report:
First and foremost, make sure to verify the debt. The company is required to provide the name of the original creditor and the amount owed.
If the debt is valid, try to negotiate a payment plan that works for you. Make sure to get any agreement in writing and keep records of all communication. You may also be able to settle the debt for less than the full amount owed, but this will likely have a negative impact on your credit score.
Remember, you have rights as a consumer. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in abusive or deceptive practices, such as threatening you or calling outside of reasonable hours. If you feel that 865-694-1140 is violating your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).
It's important to check your credit report regularly for any inaccuracies, as they can hurt your credit score. If you find that RMB is reporting inaccurate information, there are a few steps you can take to address the issue:
Speak with a live credit specialist for your free consultation, now