#1 Way to Remove 'RD Fuller Collections' Hurting Your Score

Most likely because a former landlord or property manager sent your unpaid apartment account to collections – RD Fuller focuses on multifamily receivables, so calls usually relate to overdue rent, move‑out damages, unpaid fees, or lease‑end charges that weren't cleared after internal reminders. They call to recover the balance before the account is escalated to legal action or reported to credit bureaus, not for random consumer debts.

Check your rental history and any move‑out paperwork first, and compare balances with your former landlord's records before you talk or pay. Ask for written debt validation and a clear itemized invoice from RD Fuller, and cross‑verify with your lease and move‑out statement; if the item appears on your credit, quietly consult a credit expert to review validation options and preserve your record while you confirm legitimacy.

They collect mainly unpaid rent and other resident charges tied to apartment accounts.

• Unpaid rent and missed lease payments
• Lease‑break or early‑termination fees
• Property damage beyond the security deposit
• Utility arrears billed through the property
• Other apartment receivables (late fees, returned‑check, parking/amenity charges)

They do not typically handle medical bills, credit‑card debt, or auto loans.

Review your lease for collections‑referral clauses. RD Fuller's SaaS links with property management systems like Rent Manager and can escalate balances (commonly over $100) quickly, so document payments, repairs, and disputes immediately. Request debt validation if contacted, and consider a professional credit review to spot niche errors and stop improper reporting.

Yes - RD Fuller Collections operates as a real debt‑collection firm, but always verify any specific debt before you pay.

Founded in Denver in 2010, RD Fuller specializes in multifamily (rental) debt recovery and runs a national network; it's registered as RD Fuller Company LLC and you can confirm basic company details on their RD Fuller official website. Treat that as a starting point: cross‑check state business records, your lease/rental history, and any credit‑report entries that reference the account.

Use common‑sense verification: demand written validation (what the debt is, original creditor, amount, and date) and don't pay before you get it; legitimate collectors supply details and won't charge upfront 'processing' fees or insist on untraceable payments. No widespread scam reports have been identified in common consumer searches, but always independently validate to protect your credit.

• Red flag - pressure to pay immediately by wire, prepaid card, or gift cards.
• Red flag - caller won't give a company name, address, or written validation.
• Red flag - threats of arrest (illegal) or hidden upfront fees.
• Legit sign - they provide a written debt validation on request.
• Legit sign - they match amounts and dates to your rental history and credit reports.
• Legit sign - contact info and business registration are verifiable through state records and their website.

You can contact RD Fuller Company directly by phone at (877) 665‑9889, reach customer support at 888‑304‑2141, email [email protected], or send formal mail to 6 Inverness Court East, Suite 260, Englewood, CO 80112; use the RD Fuller official website for account access and payments. ([rdfuller.com](https://rdfuller.com/contact-us/?utm_source=chatgpt.com))

Third‑party directories sometimes list a different Denver address and alternate phone numbers (e.g., 720‑457‑3332), so always verify any number, invoice, or remit address against RD Fuller's site or your written invoice before responding or paying. Their FAQ and support pages note the company's payment portal and preferred contact methods, so rely on those primary pages - not unverified listings. ([mapquest.com](https://www.mapquest.com/us/colorado/rd-fuller-company-545087664?utm_so…), [buzzfile.com](https://www.buzzfile.com/business/Rd-Fuller-Company-LLC-720-457-3332?ut…), [rdfuller.com](https://rdfuller.com/faqs/?utm_source=chatgpt.com))

For safety and credit‑control, send formal disputes or correspondence by certified mail for a tracked paper trail, request written debt validation, keep copies of everything, and never give full SSN or bank details over an unsolicited call; confirm contact details on the site before engaging and consider professional help for negotiations or credit‑impact decisions. ([consumerfinance.gov](https://www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-…), [consumer-action.org](https://www.consumer-action.org/english/articles/the_fair_debt_collecti…))

You have federal protections under the FDCPA that stop harassment, require debt verification, and let you force collectors to stop contacting you in writing.

Your core rights:

• No harassment or abusive tactics; no threats, profanity, or repeated calls.
• Written validation within 5 days of first contact showing amount, creditor, and dispute rights.
• 30 days to dispute the debt in writing; the collector must pause collection while they verify.
• Send a written cease‑and‑desist and they must stop most communications (use certified mail if overwhelmed).
• Collectors must identify themselves and not misrepresent the debt or legal consequences.
• Limits on contact times (generally not before 8am or after 9pm) and no workplace contact if you tell them to stop.
• No unauthorized fees or false interest added by the collector.
• Track every call, letter, and email with dates/times and save copies - these are evidence of violations.

Practical next steps: mail a written dispute/validation request within 30 days of first contact, send a certified cease‑and‑desist if calls are abusive (it stops contact but doesn't erase the debt), and log every interaction with timestamps to support complaints or a lawsuit; use this to correct credit reporting or pursue credit‑repair routes. For the full FDCPA text and rules see CFPB FDCPA final rules

Don't accept a phone promise - send a written validation request by certified mail to RD Fuller Collections' Denver address within 30 days of their first contact.

Send one short, firm letter asking them to validate the debt and to stop collection until they do. Request an itemized breakdown of the amount, the original creditor's name and address, proof of the original signed agreement (or lease), dates (charge/offense and first delinquency), and any assignment or chain-of-title documents; say you dispute the debt and demand verification under the FDCPA. Mail by certified mail with return receipt and keep copies and the tracking/receipt.

If they fail to provide validation, they legally must cease collection activity until verification is mailed; you can also dispute the entry with the credit bureaus and file complaints. If ignored, file complaints with the CFPB and the FTC, consider a credit report dispute or hiring a consumer attorney, and look for multifamily‑specific evidence (signed lease pages, move‑in/move‑out records, ledgers) to force removal or challenge accuracy. Unvalidated debts are often removable via formal disputes or expert credit-repair channels.

Use available templates to save time and ensure proper language. For wording and sample letters, see CFPB debt collection template letters. Send certified mail, scan everything, and log dates and call details.

What to include in your letter:

• Your full name, current address, and the account number referenced.
• A clear statement: 'I dispute this debt; validate it under 15 U.S.C. §1692g.'
• Request for itemized amount, original creditor name/address, dates, and first‑delinquency date.
• Demand copies of the original signed contract/lease and any assignment documents.
• Request that collection cease until you receive validation.
• Ask for a written response and include a deadline; sign the letter.
• Mail by certified with return receipt and keep scanned copies of everything.

Dispute it in writing immediately: send RD Fuller a written challenge with proof, copy the credit bureaus, and force an FCRA investigation.

Send a certified-letter to RD Fuller demanding debt validation and attach supporting evidence - an ID‑theft affidavit and police report if stolen, or proof of non‑residency such as lease records, move‑in/move‑out dates, or utility bills showing you never owed the rent. Copy Experian, TransUnion, and Equifax and file disputes in writing; use the legal dispute process under FCRA Section 611 requirements and trigger the 30‑day bureau investigation window.

Keep every receipt, certified‑mail proof, and a log of calls; collectors must verify the debt or remove it - if RD Fuller cannot validate or if the furnisher confirms the item is wrong, the bureaus and furnisher must delete or correct the entry. Persist with follow‑ups and resend evidence if needed, emphasising rent‑specific documents (leases, payment ledgers, utility records) because RD Fuller commonly collects rental accounts.

If you get no relief, escalate: file complaints with the CFPB and your state attorney general, consider a written demand from a consumer‑rights attorney, or hire a reputable credit professional to pursue removal or legal action under FCRA/FDCPA; place a fraud alert or credit freeze if identity theft is involved to stop further damage.

Yes - collectors can try to reach you, but federal law tightly restricts where and when they may do so. They may not contact you at work after you say it's inconvenient, call before 8 AM or after 9 PM, use public or harassing social‑media posts/messages, or discuss your debt with friends, family or coworkers beyond basic location information.

Take quick, concrete steps: send a written request asking them to stop calls at work or to third parties and to provide debt validation, and keep copies. Log every call and save screenshots or voicemail files. Note: some multifamily or lease matters involve guarantors and may prompt extra outreach - flag that when you request validation.

Document violations (call logs, screenshots) and submit a CFPB complaint. If contacts continue, a written cease‑and‑desist, an FDCPA claim, or help from a consumer attorney or legal aid can stop harassment. Also consider a credit adviser if you want to handle the account without direct negotiation.

The fastest way to stop abusive collection tactics is to send a written cease‑communication by certified mail that invokes your FDCPA rights, keep proof, and report any continued violations.

In the letter, state your full name, account or reference number (if known), and a clear demand: stop all phone, text, social, and third‑party contact except to notify you of specific legal actions. Mail by certified return‑receipt and keep the receipt and a dated copy. Simultaneously document every call, text, voicemail, and message (date, time, caller ID, words used) and save screenshots or recordings where legal.

Common abusive or unfair practices to note (log every instance):

• Repeated calls after a cease request or calls at odd hours.
• Threats, profane or harassing language, or implying arrest.
• Contacting your employer, neighbors, friends, or posting on social media.
• Misrepresenting the amount, adding unauthorized fees, or misrepresenting legal actions.
• Refusing to provide debt validation on request.

If harassment continues, file complaints and pursue remedies. Send copies of your evidence to the CFPB and FTC and to your state attorney general. Ask the agencies to investigate and attach your certified‑mail receipt and logs. Consider a consumer attorney - FDCPA allows statutory damages (commonly up to $1,000), actual damages, and attorney fees. For rent or property debts, first pursue property‑dispute resolution channels (lease records, receipts, inspector reports) as a defensive step.

If the account appears on your credit report, dispute it with the credit bureaus and get a full credit‑file review from a reputable counselor or consumer law attorney. If you get sued, respond to the summons immediately and bring your documentation. Keep everything organized - officials and courts rely on dated proof.

Yes - only when your lease, original agreement, or state law allows it can a collector add interest, late charges, or collection costs; if those extra amounts aren't authorized, you can dispute and force them to justify or remove them.

Ask for written validation and an itemized accounting; if the contract has no fee clause or your state caps fees (e.g., some Colorado limits apply), the additions are likely invalid and you can demand proof or dispute them with the bureaus.

• Common add-ons: post-charge‑off interest, contractual late fees, attorney or litigation costs, and third‑party collection charges.
• How to challenge: send a written debt‑validation request; demand an itemized statement and original contract; cite state fee caps or lease clauses; keep copies and certified mail receipts.
• Practical moves: request correction or pay a negotiated lump sum; use credit‑repair leverage to dispute inflated balances; consult a consumer‑debt attorney if the collector won't produce proof.

No - RD Fuller (or any private collector) must sue you and get a court judgment before wages, benefits, or bank accounts can be garnished or frozen, and you must receive notice and a chance to contest.

• Protected or commonly exempt assets: Social Security/SSI/VA benefits (generally exempt from private creditors), most federal benefit deposits if traceable, many retirement and ERISA plan funds, and state‑protected portions of wages; exemptions vary by state and by type of creditor.
• If a levy or garnishment is threatened: respond to the summons immediately (don't default), file a written answer by the court deadline, assert exemptions and request a hearing, ask the court or bank to release exempt funds, and get free/low‑cost legal help if you can't afford an attorney.
• Practical RD Fuller notes: they often litigate multifamily/account‑based debts - monitor state court dockets for filings, demand debt validation, and consider early negotiation or credit counseling to stop escalation.

Act fast if you're served: a default judgment lets a collector skip straight to garnishment or bank levy, so answering or claiming exemptions quickly is the single best move - think of it as showing up to court before they take your lunch money.

There's no BBB rating or accreditation for RD Fuller Company LLC and the BBB directory shows no notable complaint history for that name as of 2025. That low BBB visibility is typical of small, niche multifamily collectors; public consumer sites and a 2021 CFPB entry do show a handful of tenant complaints, so absence of a BBB record doesn't mean there haven't been disputes. (bbb.org, tenantwatchdog.org, fairshake.com)

Keep an eye on the BBB search page for changes and newly filed complaints by checking RD Fuller Company LLC profile search regularly, and cross-check CFPB archives and your state consumer‑protection site if you need confirmation. Also verify the company's business registration and contact details on public records before accepting any collection claim. (bbb.org, fairshake.com, datalog.co.uk)

For real-world experiences look to multifamily and tenant-review sites and industry directories rather than relying solely on BBB; RD Fuller appears in property‑management circles and has scattered tenant reviews and forum threads that detail common issues and outcomes. If the collection affects your credit, consider a paid professional review to hunt reporting errors and file complaints (including to the BBB) to create an official record. (tenantwatchdog.org, aamdhq.org, rdfuller.com)

As of August 12, 2025, there are no publicly reported major class‑action suits or large settlements naming RD Fuller Collections, though a handful of isolated CFPB complaints and company statements about compliance exist. (rdfuller.com, fairshake.com)

• How to confirm yourself: search PACER for federal dockets and state court records.
• Check the CFPB complaints portal directly: Consumer Financial Protection Bureau complaints.
• Look for press releases and dockets using the company name plus 'class action,' 'settlement,' or 'multifamily collections.'

RD Fuller's public materials stress Regulation F and multifamily recovery compliance, and industry reporting shows that rental‑debt litigation trends (junk fees, improper charge collection) are where class actions more commonly arise - so watch for cases tied to rental fee practices or FDCPA violations. (consumerfinance.gov, cooley.com)

• If you're affected: preserve all notices, lease statements, call logs and validation requests.
• File an individual CFPB complaint and consider an FDCPA claim if collectors misstate amounts or add unauthorized fees.
• Monitor PACER or join class‑action alerts; meanwhile pursue credit repair or dispute inaccurate reports to bureaus. (consumerfinance.gov)

Act fast: confirm the notice is legitimate, demand written validation within 30 days, and document every step before you pay a dime.

First verify authenticity by matching the letterhead, phone and address to RD Fuller Collections' official contact information and your original creditor's records; call the original creditor and your property manager if this is rental-related. Check account numbers, dates, amounts, and the alleged charge details. For multifamily or rental claims, explicitly request lease backups, move‑in/move‑out records and itemized damage invoices.

Immediately send a written debt‑validation request (within 30 days of first contact) asking for the signed contract, chain of title, itemized charges, and proof they own the debt; send it by certified mail and keep the receipt and copies. Do not make verbal concessions and do not agree to payments until you receive satisfactory documentation.

If they prove the debt, get any payment plan or settlement in writing and insist on a written agreement that specifies reporting and deletion terms (ask for pay‑for‑delete but get it in writing). If they cannot validate, dispute the entry with the credit bureaus, send the validation denial to the collector, and escalate to the CFPB or your state attorney general - consider a consumer‑law attorney or a reputable credit expert to pursue removal.

Keep a tight paper trail: log dates, names, call notes, and retain every mailed proof. Pull current credit reports and monitor for re‑reports; freeze your credit if you suspect identity theft. Small, documented steps win disputes more often than panic - stay steady and persistent.

If you ignore them or can't pay, expect credit reporting, collection escalation, and possible legal action unless you dispute, settle, or the debt becomes time‑barred.

Act fast. Send a written debt‑validation request and, if needed, a hardship notice; communicate in writing to pause actions and keep copies of every message. RD Fuller's online portal often lets you set up payment plans, so propose a written plan there and document acceptance.

If payment truly isn't possible, try negotiating a reduced balance, ask for a hardship program, or propose a payment plan; remember debts persist until resolved or become time‑barred, and multifamily or rent collections can produce eviction records.

Protect your score another way: dispute inaccurate listings, monitor your credit, and build positive payment history on other accounts. If you get sued, respond to the summons or you risk default judgment and garnishment - so consider legal advice, mediation, or targeted credit‑repair strategies immediately.

Not necessarily – settling for less with RD Fuller Collections can be a smart move if you protect yourself and get the deal in writing.

- Pros: you may save significant money, stop collection activity faster, and sometimes secure a pay‑for‑delete that helps your score.

- Cons: forgiven debt can create tax paperwork (1099‑C), payments or acknowledgments can revive a time‑barred statute, and collectors may promise deletion but not follow through.

Insist on validation first. Never pay until you have a written settlement or pay‑for‑delete letter that states the exact amount, payment method, timeline, and the precise reporting action (e.g., 'will be removed from all credit bureaus'). Keep everything. Verbal promises mean little. A signed, dated agreement is your whole defense.

Practical negotiation rules: start low, be realistic, and leverage facts. Aim to offer about 40–60% as a lump‑sum depending on the account's age and documentation. If the debt ties to multifamily issues (rental damage, partial claims), push specific disputes about damages to lower liability or justify a smaller offer. Remember tax exposure and statute risks – don't pay or admit responsibility on time‑barred debts without legal advice. Also weigh reputable credit‑repair or validation routes that might remove the tradeline without payment.

• Negotiation tips: demand written validation and a signed pay‑for‑delete/settlement letter before you pay.
• Offer a 40–60% lump sum (adjust by age).
• Pay only by a traceable method and keep receipts.
• Do not admit liability or sign new acknowledgments unless you intend to restart the clock.
• Ask about potential 1099‑C and consult a tax pro if settlement is large.
• If unsure, consult a consumer‑credit attorney before paying.

Yes - RD Fuller Collections can sue you in civil court over unpaid accounts, but they cannot have you arrested for simply not answering.

They use a national litigation approach to pursue judgments; if they win a suit a court judgment can lead to garnishments, bank levies, or liens depending on your state's rules. Suits are more common on higher balances (commonly $500+ in multifamily accounts). Civil collectors must follow the law - they may not lawfully threaten criminal arrest or other illegal tactics. Check your state's statute of limitations before paying or admitting the debt.

Do not ignore notices or a summons. If sued, file a written response by the court deadline or hire counsel to avoid a default judgment. Ask for written debt validation, dispute errors with the credit bureaus, and consider negotiating in writing or getting a consumer‑debt attorney or free legal aid to protect your credit and rights.

• Check your state statute of limitations and date of last activity.
• Request written debt validation (certified mail).
• If served, respond to the court by the deadline - never default.
• Collect account records, receipts, and correspondence.
• Consult a consumer‑debt attorney or legal aid for court defense or negotiation.
• If a judgment exists, explore vacating, appealing, negotiating, or using exemption rules to protect wages/assets.
• Monitor and dispute credit‑report inaccuracies.

You can stop unlawful collection, get money, and pressure RD Fuller by filing complaints and suing under federal and state laws right away.

File a formal complaint with the CFPB - start online at submit a complaint to the CFPB - and also report the conduct to the FTC and your state attorney general so regulators see the pattern. ([consumerfinance.gov](https://www.consumerfinance.gov/?utm_source=chatgpt.com), [consumer.ftc.gov](https://consumer.ftc.gov/media/video-0054-how-file-complaint-federal-tr…), [naag.org](https://www.naag.org/contact-us/?utm_source=chatgpt.com))

Demand verification in writing under the FDCPA (15 U.S.C. §1692g); if they keep collecting without providing proper validation you can sue for violations. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692g?utm_source=chatgpt.com))

You can bring an FDCPA lawsuit seeking actual damages, statutory damages (up to $1,000 for an individual), court costs and a reasonable attorney's fee; class actions are possible for widespread patterns and the statute sets venue and timing rules. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com))

Act fast: the FDCPA's limitations clock is short - generally one year from the violation - so preserve dates and act promptly if you plan to sue. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com))

Collect and preserve proof: save letters, texts, emails, screenshots, bank statements, call logs, and send dispute/validation letters by certified mail. Record calls only if you comply with state/federal recording laws - check whether your state needs all‑party consent before recording. ([justia.com](https://www.justia.com/50-state-surveys/recording-phone-calls-and-conve…))

If the matter involves housing or a lease (multifamily), include your state attorney general or housing authority in complaints - many AG offices investigate landlord/collector schemes. ([mass.gov](https://www.mass.gov/how-to/file-a-consumer-complaint?utm_source=chatgp…), [texasattorneygeneral.gov](https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-…))

If you can't hire counsel, consider small‑claims for proven actual damages or contact a consumer law attorney for FDCPA claims (successful suits often recover fees). Class suits are rarer but an option when many consumers share the same unlawful practices. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com))

A successful complaint or judgment not only can stop harassment and recover money, it also strengthens your position when disputing credit reports and in credit‑repair steps. ([consumerfinance.gov](https://www.consumerfinance.gov/?utm_source=chatgpt.com))

Sometimes - you can avoid paying RD Fuller, but only if you win a validation dispute, the debt is time‑barred, or you obtain a bankruptcy discharge; none of these are guaranteed and ignoring it risks credit damage.

Validation under the FDCPA and reporting challenges under the FCRA are common paths. Successful debt‑validation disputes can force the collector to prove the debt. Time‑barred claims (rent or other debts that typically age out in about 3–6 years depending on your state) mean a collector usually can't sue, though reporting can still hurt your score. Bankruptcy can discharge qualifying debts. Also note: partial payments or written admissions can sometimes restart the statute of limitations.

Practical next steps: don't admit or pay until you verify. Send a written, certified‑mail validation request and file credit disputes if reporting looks wrong (see how to ask for debt validation). Check your state's time‑bar rules before deciding (see a state statute of limitations chart), and consult a consumer‑law attorney for suits, bankruptcy, or aggressive collectors.

Usually choose credit repair when the RD Fuller entry is wrong, old, or disputable; pay directly only when the debt is clearly valid and you want a clean settlement rather than guaranteed deletion.

Credit repair targets removal from credit files by disputing inaccuracies and pushing bureaus to verify reporting. Paying RD Fuller settles the obligation but often leaves a paid collection on your report. Paid status can help, but it rarely erases the history automatically.

• Cost: repair services charge fees; DIY disputes are cheaper.
• Removal chance: higher for erroneous or time‑barred items via repair/dispute; lower from simple payment.
• Speed: skilled repair firms can move faster on complex verification; payment is immediate but not removal.
• Credit impact: a verified deletion boosts score more than a 'paid' collection.
• Proof needed: disputes and validation requests require documentation; settlements need written agreements.

Practical next steps: pull and review all three reports at your free annual credit reports, note the original delinquency date, then either (A) file disputes with bureaus and request validation from RD Fuller, or (B) negotiate a written settlement that explicitly states deletion before you pay. Send any dispute or validation request by certified mail and keep copies.

Specific to RD Fuller rent collections: credit repair firms often excel at lease‑record errors and landlord reporting quirks, so you may see faster score gains when the account stems from rental records. If the debt is legitimate and you need immediate relief, negotiate a settlement with a written deletion promise - but verify that promise in writing and weigh the repair firm's costs and documented success rates before signing up.