RSI is a member of Experian, Equifax and Trans Union credit reporting facilities. This FREE program is designed to place any unpaid account, that has not been authorized for suit or previously reported by our Client, into the Credit Bureaus "PUBLIC RECORDS" as an "UNPAID COLLECTION ITEM". The primary concept is to hinder the debtors ability to obtain credit for up to a seven year period, thereby, securing the debt. If your account is listed, often the lender will incorporate your debt into the loan or turn down the applicant until the debt is paid. Many times an individual will recover from financial hardship within the 7 years and every time they apply for credit, your account will appear on their credit report.