How to Remove Grant Mercantile Agency From Your Credit Report

Is Grant Mercantile Agency hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Grant Mercantile Agency?

Grant Mercantile Agency, Inc. (GMA) is a debt collection agency located in Oakhurst, California.

You may see Grant Mercantile Agency listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Grant Mercantile Agency collect for?

Grant Mercantile Agency collects debts for government, city and county entities, utilities, county healthcare facilities, judgments, and license and traffic fees.

How can I remove Grant Mercantile Agency from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Grant Mercantile Agency (GMA) Contact Information


Grant Mercantile Agency
49099 Rd 426
Oakhurst, CA 93644

Mailing address:

Grant Mercantile Agency
PO Box 658
Oakhurst, CA 93644


Phone number: (800) 477-7530 or (559) 683-4651

Should I contact or pay Grant Mercantile Agency?

Nothing good can come from contacting a collection agency like Grant Mercantile Agency. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to go about dealing with Grant Mercantile Agency is to work with a credit repair professional. They delete millions of negative items every year from companies like Grant Mercantile Agency for millions of clients nationwide.

And they may be able to help you too.

Will Grant Mercantile Agency sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Grant Mercantile Agency again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Grant Mercantile Agency to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Grant Mercantile Agency Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Grant Mercantile Agency currency has an A+ rating with the Better Business Bureau.

Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Grant Mercantile Agency, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Grant Mercantile Agency does too.

Your Rights When Dealing with Grant Mercantile Agency

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Grant Mercantile Agency to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Grant Mercantile Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Grant Mercantile Agency must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
  • Grant Mercantile Agency cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Grant Mercantile From Your Credit Report Today!

Lexington Law specializes in disputing Grant Mercantile collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.