Debt collector · complaint record
Reliable Credit Association complaints
Filed under Reliable Credit Association, Inc.
Consumers have filed 176 complaints about Reliable Credit Association since 2014, 39 of them in the last 12 months (+39% on the year before). It answered 71.8% on time and closed 8% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 176
- Last 12 months
- 39
- Answered on time
- 71.8%
- Closed with relief
- 8%
- Last 30 days
- 0
- Rank
- #363 of 1,963
Since February 2014
+39% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 7, 2026
Most complained-about debt collectors
Reliable Credit Association complaints by month
The busiest month was December 2025 (7 complaints). Complaints in the last 12 months are up 39% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Reliable Credit Association answered last 12 months
- Closed with monetary relief25.1%
- Closed with non-monetary relief12.6%
- Closed with explanation3692.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4571.8% on time
- Relief for customers6/407.7% closed with relief
- Complaint trend6/15+39% vs last year
What Reliable Credit Association complaints are about
Top Reliable Credit Association problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 16
- Reporting company used your report improperly 14
Where Reliable Credit Association complaints come from
Most complaints: Washington (90), Oregon (28), Arizona (12), Idaho (12), California (8).
Reliable Credit Association compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | RMS-Recovery Management ServicesDebt collection | 40 | 39 | D |
| 4 | UnisaDebt collection | 18 | 39 | F |
| 5 | Collections USADebt collection | 48 | 39 | D |
| 6 | Texas GuaranteedDebt collection | 60 | 39 | C |
| 7 | United AccountsDebt collection | 5 | 39 | F |
| 8 | Reliable Credit AssociationDebt collection | 12 | 39 | F |
Compare side by side: Reliable Credit Association vs Remex · Reliable Credit Association vs Merchants Credit Bureau · Reliable Credit Association vs RMS-Recovery Management Services · Reliable Credit Association vs Unisa
What people say about Reliable Credit Association
All experiencesNo experiences with Reliable Credit Association yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Reliable Credit Association complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 7, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Oct 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 21, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Sep 9, 2026 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
| Sep 8, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Aug 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 30, 2026 | Auto loans & leases | Getting a loan or leaseHigh-pressure sales tactics | Explained |
| Jul 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 21, 2026 | Auto loans & leases | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 9, 2026 | Payday & personal loans | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Reliable Credit Association
How many complaints does Reliable Credit Association have?
Reliable Credit Association has 176 complaints on record since February 2014, including 39 in the last 12 months and 0 in the last 30 days. That makes it number 768 of every company by complaints this year.
Does Reliable Credit Association respond to complaints?
Yes. Reliable Credit Association answered 71.8% of its complaints on time (within 15 days) and closed 8% with relief - money back or a fix; 5.1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 12/100 (grade F).
What do people complain about most with Reliable Credit Association?
The most common problems are took or threatened to take negative or legal action (17), improper use of your report (30), problem with a company's investigation into an existing problem (7).
Is Reliable Credit Association legit?
Reliable Credit Association is a real company with a public complaint record: consumers have complained about it 176 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Reliable Credit Association legit? for the signals, red flags and how to protect yourself.
Are complaints about Reliable Credit Association going up or down?
Up. There were 39 complaints in the last 12 months against 28 in the 12 before (+39%). See every month.
How do I file a complaint against Reliable Credit Association?
Complain to Reliable Credit Association in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Reliable Credit Association complaints come from?
Most come from Washington (90), Oregon (28), Arizona (12). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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