Seeing JNR Adjustment Company on your credit report? It likely means they’re trying to collect a debt tied to your name. Here’s what you should know and how to deal with them.
Who Is JNR Adjustment Company?
JNR Adjustment Company, Inc. is a third-party debt collection agency with offices in Plymouth, Minnesota, and Maitland, Florida. They collect unpaid debts on behalf of other businesses.
If their name shows up on your credit report, it means they’ve been assigned to recover an outstanding debt connected to you.
Who Does JNR Adjustment Company Collect For?
JNR Adjustment Company focuses on check recovery. They work with businesses that process large volumes of checks, such as:
- Retailers
- Airlines
- Restaurants
- Fast-food chains
Is JNR Adjustment Company Legit?
Yes, JNR Adjustment Company is a legitimate debt collector. But that doesn’t mean every debt they pursue is accurate. Always confirm the details before making a payment.
How to Remove JNR Adjustment Company From Your Credit Report
Collection accounts can hurt your credit score for up to seven years. If you want the account removed, here are your options:
- Dispute Any Errors: Review your credit report for incorrect information and file a dispute with the credit bureaus if needed.
- Request Debt Validation: You have the right to ask for proof that the debt belongs to you and that the amount is correct.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you pay. Always get this agreement in writing.
- Work With a Credit Repair Company: A professional service can help challenge inaccurate or questionable items.
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 JNR Adjustment Company?
Before contacting them, confirm that the debt is valid and still collectible. Some debts are beyond the legal time limit for collection.
Also, making a payment could restart the statute of limitations, which can extend the time they can take legal action or report the account.
Many people prefer to work with a credit repair company to avoid dealing with collectors directly.
Can JNR Adjustment Company Sue You or Garnish Your Wages?
Yes, they have the ability to sue for unpaid debts. If they win the lawsuit and a court issues a judgment, they may be allowed to garnish your wages or pursue other legal steps, depending on your state laws.
That said, lawsuits are expensive and time-consuming, so most collection agencies try to work out a settlement or payment plan first.
Complaints About JNR Adjustment Company
Like many collection agencies, JNR Adjustment Company has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate information
- Excessive phone calls or messages
- Failing to verify debts
If you believe your rights are being ignored or you’re experiencing harassment, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With JNR Adjustment Company
Debt collectors must follow the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). These laws protect you by:
- Prohibiting false or incomplete information on your credit report
- Giving you the right to request proof of the debt through a debt validation letter
- Banning threats, harassment, or abusive language
- Requiring collectors to identify themselves clearly and honestly
- Preventing threats of arrest or jail for unpaid debts
JNR Adjustment Company Contact Information
Mailing Address:
JNR Adjustment Company, Inc.
P.O. Box 27070
Minneapolis, MN 55427
Office Location:
3300 Fernbrook Lane North, Suite 225
Plymouth, MN 55447
Phone Number:
(800) 279-2567
Want JNR Adjustment Company Removed From Your Credit Report?
Dealing with collections can feel stressful, but you don’t have to do it alone. Credit Saint has helped thousands of people challenge negative items and improve their credit.
They even offer a 90-day money-back guarantee, giving you extra confidence in the process.
Call (855) 281-1510 or visit their website to see how they can help remove negative accounts from your credit report.
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.
