If Merrick Bank Corp appears on your credit report, it likely means a negative account has been added, possibly due to a missed payment on a Merrick Bank credit card or loan. Collection accounts can lower your credit score and stay on your credit report for up to seven years, so it’s important to take action.
Here’s what to know about Merrick Bank Corp and how to remove their account from your credit report.
Who Is Merrick Bank Corp?
Merrick Bank is a financial services company based in South Jordan, Utah. They serve nearly 3 million customers and have issued over $5 billion in credit.
Merrick Bank offers several financial products, including:
- Platinum Visa Credit Card
- Secured Visa Credit Card
- Personal Loans and Certificates of Deposit
- Financing Options for Marine, RV, and Trailer Purchases
If you default on a Merrick Bank credit card, loan, or financing agreement, they may report the account to the credit bureaus or send it to collections.
How to Remove Merrick Bank Corp from Your Credit Report
If you want to remove Merrick Bank from your credit report, follow these steps:
- Dispute the Account: Review your credit report for errors. If the account is inaccurate, file a dispute with the credit bureaus to have it corrected.
- Request Debt Validation: You have the right to ask Merrick Bank for proof that the debt is yours and that the amount is correct. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to negotiate a pay-for-delete agreement, where you agree to pay the debt in exchange for the account being removed from your credit report. Get any agreement in writing.
- Work with a Credit Repair Company: If dealing with credit reporting issues feels overwhelming, a reputable credit repair company can assist with disputing negative items and protecting your credit.
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 Merrick Bank Corp?
Before calling or paying Merrick Bank Corp, confirm the debt is valid, accurate, and within the statute of limitations. Making a payment on old debt can sometimes reset the clock, which may further impact your credit.
Many people prefer to work with a credit repair professional to handle communication and avoid mistakes when dealing with creditors.
Can Merrick Bank Corp Sue You or Garnish Your Wages?
Merrick Bank has the legal right to sue for unpaid debts. If they take legal action and win, the court may allow them to garnish wages, levy bank accounts, or pursue other collection efforts based on your state’s laws.
That said, legal action is often a last resort. Merrick Bank typically tries to resolve accounts through payment plans or settlements before pursuing a lawsuit.
Merrick Bank Corp Complaints
Many financial institutions, including Merrick Bank, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Incorrect information reported to the credit bureaus
- Failure to validate debts when requested
- Harassment or aggressive collection tactics
If you experience these issues, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with Merrick Bank Corp
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), including:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- Merrick Bank must clearly identify themselves when collecting a debt.
- They cannot threaten arrest or jail for unpaid debts.
Understanding your rights can help protect you from unfair treatment.
Merrick Bank Corp Contact Information
Address:
Merrick Bank
10705 South Jordan Gateway, Suite 200
South Jordan, UT 84095
Mailing Address:
Merrick Bank
P.O. Box 5000
Draper, UT 84020-5000
Phone Numbers:
(800) 204-5936
(800) 253-2322
It’s always recommended to communicate in writing and keep records of all correspondence.
Remove Merrick Bank Corp from Your Credit Report Today
Struggling with negative items like Merrick Bank on your credit report? A trusted credit repair company, such as Credit Saint, can assist with disputing inaccurate accounts—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.
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.
