If Grant Mercantile Agency appears on your credit report, it likely means an unpaid debt has been sent to collections. This can lower your credit score and make it harder to get approved for loans, credit cards, or even rental housing.
Here’s how to handle Grant Mercantile Agency and work toward getting them removed from your credit report.
Who Is Grant Mercantile Agency?
Grant Mercantile Agency (GMA) is a debt collection agency based in Oakhurst, California. They work on behalf of businesses and government entities to collect unpaid debts. If your account has been turned over to GMA, their name may show up on your credit report as a collection account.
Who Does Grant Mercantile Agency Collect For?
Grant Mercantile Agency collects a range of debts for:
- Government, city, and county agencies – Unpaid taxes, fines, and fees
- Utility companies – Overdue water, gas, or electric bills
- County healthcare providers – Unpaid medical bills or health service fees
- Courts – Outstanding court judgments or fines
- License and traffic agencies – Unpaid license fees or traffic violations
If you owe money in any of these areas, Grant Mercantile Agency may be the agency contacting you to collect.
Is Grant Mercantile Agency a Scam?
No, Grant Mercantile Agency is not a scam. They are a real, authorized debt collection company. However, mistakes happen, and incorrect or outdated information can appear on your credit report. Always verify the debt before agreeing to pay.
How to Remove Grant Mercantile Agency from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask Grant Mercantile Agency for written proof that the debt is valid. If they can’t provide it, they must stop reporting the account.
- Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for having the account removed. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge inaccurate or unfair negative items and improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Grant Mercantile Agency?
Before paying or contacting Grant Mercantile Agency:
- Verify the debt belongs to you
- Confirm the amount is accurate
- Know your rights under your state’s laws, including the statute of limitations
Be cautious—paying an old debt can sometimes reset the collection timeline and hurt your credit further. Many people work with credit repair experts to handle this process properly.
Can Grant Mercantile Agency Sue You or Garnish Your Wages?
Yes, Grant Mercantile Agency has the legal right to sue for unpaid debts. If they win the lawsuit, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. However, legal action is often considered a last resort due to the time and expense involved. Most agencies try to work out payment plans or settlements first.
Grant Mercantile Agency Contact Information
Physical Address:
Grant Mercantile Agency
49099 Road 426
Oakhurst, CA 93644
Mailing Address:
P.O. Box 658
Oakhurst, CA 93644
Phone Numbers:
(800) 477-7530
(559) 683-4651
Grant Mercantile Agency Complaints
Like many debt collectors, Grant Mercantile Agency has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive calls
- Failure to verify debts
Despite these complaints, Grant Mercantile Agency currently holds an A+ rating with the Better Business Bureau. If you believe your rights are being violated, you can file a formal complaint.
Your Rights When Dealing with Grant Mercantile Agency
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors. Your rights include:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves
- They cannot threaten arrest or legal action they aren’t authorized to take
Knowing your rights helps you deal with collection accounts more confidently and protect your credit.
Get Grant Mercantile Agency Removed from Your Credit Report
If Grant Mercantile Agency is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
