If you’ve found Joseph, Mann, & Creed on your credit report, they’re likely trying to collect a debt. Here’s everything you need to know about who they are, how they affect your credit, and what steps you can take to remove them.
Who Is Joseph, Mann, & Creed?
Joseph, Mann, & Creed (JMC) is a debt collection agency based in Twinsburg, Ohio. Their job is to collect unpaid debts for other businesses.
If they show up on your credit report, it means a creditor has either sold your debt or hired them to recover the amount you owe.
Who Does Joseph, Mann, & Creed Collect For?
Joseph, Mann, & Creed works with a wide range of businesses. They collect debts related to:
- Unpaid insurance premiums
- Agent commissions
- Credit card balances
- Lines of credit
- Unpaid subscriptions, including newspapers and magazines
Is Joseph, Mann, & Creed Legit?
Yes, they are a legitimate debt collection agency. But that doesn’t guarantee that every account they report is correct. Always verify the details of any debt before making a payment.
How to Remove Joseph, Mann, & Creed From Your Credit Report
A collection account can stay on your credit report for up to seven years and lower your credit score. To get it removed, consider these steps:
- Dispute Any Errors: Check your credit report for inaccuracies. If you find incorrect information, file a dispute with the credit bureaus.
- Request Debt Validation: You can ask for proof that the debt belongs to you and that the amount is accurate.
- Negotiate a Pay-for-Delete: Some collectors agree to remove an account from your report if you pay the debt. Always get this agreement in writing.
- Work With a Credit Repair Company: Professionals can help challenge inaccurate or outdated items on your report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Joseph, Mann, & Creed?
Before contacting them, make sure the debt is valid and still within the legal time limit for collection. Some debts are past the statute of limitations.
Also, making a payment may restart the clock, which can extend the time they can pursue legal action or report the account to the credit bureaus.
Many people choose to work with a credit repair company to handle these situations, especially when dealing with collectors.
Can Joseph, Mann, & Creed Sue You or Garnish Your Wages?
Yes, they have the ability to sue for unpaid debts. If they win a lawsuit and the court issues a judgment, they may be allowed to:
- Garnish your wages
- Levy your bank accounts
- Place a lien on your property
These actions depend on state laws. That said, lawsuits are often a last resort for collectors, as they are costly and time-consuming. Most agencies prefer to work out a payment plan or settlement first.
Complaints About Joseph, Mann, & Creed
Joseph, Mann, & Creed has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting on credit reports
- Harassing phone calls or messages
- Failing to verify debts when asked
If you feel 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 Joseph, Mann, & Creed
You are protected under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). These laws prevent collectors from using abusive tactics and give you specific rights:
- They cannot report false or incomplete information about you
- You have the right to request proof of the debt
- They cannot harass, threaten, or use offensive language
- They must clearly identify themselves as a debt collection agency
- They cannot threaten jail time for unpaid debts
Joseph, Mann, & Creed Contact Information
Address:
Joseph, Mann, & Creed
8948 Canyon Falls Blvd, Suite 200
Twinsburg, OH 44087
Phone Number:
(216) 831-5626
Want Joseph, Mann, & Creed Removed From Your Credit Report?
Dealing with collection accounts can feel overwhelming, but you don’t have to handle it alone. Credit Saint has helped thousands of people dispute inaccurate items and work toward better credit.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started.
Call (855) 281-1510 or visit their website to learn how they can help.
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.
