Credence Resource Management reaches people as a phone call, a letter, or a collection entry on a credit report — usually about a debt from a company they stopped doing business with long ago. If you have never heard of Credence, that is normal: it is a third-party collector, so the debt it is chasing started somewhere else.
What Credence Resource Management is
Credence Resource Management, LLC is a debt collection company with its corporate office at 1111 Digital Drive, Suite 101, Richardson, Texas, in the Dallas area, and its Better Business Bureau record lists it as a collections agency. When it reports a collection account under its own name, “CREDENCE RESOURCE MANAGEMENT” or a shortened form of it is what appears on the credit report.
The errors to look for
Third-party collection is where credit reporting goes wrong most often, because the account has changed hands and the paperwork does not always follow. Look for: a debt that is not yours at all; a balance larger than what you owed; a debt you already paid or settled still reporting as open; a debt so old it should no longer appear; and the same debt reported twice, once by the original company and once by the collector, in a way that misstates what you owe. If the account is one you never had, start with our collection that is not yours page.
How to dispute a Credence entry
With the credit bureaus. Dispute in writing with each bureau showing the entry. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. Credence publishes dedicated dispute channels on its own website — a disputes telephone line at 1-855-880-4792, a disputes email at disputes@credencerm.com, and a correspondence address at PO Box 2300, Southgate, MI 48195. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If a collection entry comes back “verified” and it is still wrong — not yours, the wrong amount, too old to report — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt collectors and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Credence Resource Management, LLC, and this page is not a complaint about that company. It describes how collection entries can appear on credit reports and the rights consumers have when an entry is wrong.