Who is Western Mercantile Agency, Inc.?
Western Mercantile Agency, Inc. (WMA) is a debt collection agency located in Coos Bay, Oregon. They provide services for accounts such as contracts, dental, financial (credit unions), insufficient checks, medical, utilities, veterinary, and commercial accounts.
You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have it removed before 7 years and you may not even have to pay it.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.
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, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
Western Mercantile Agency, Inc. Contact Information
Address:
165 S 5th St A
Coos Bay, OR 97420
Website: http://www.westernmerc.com
Phone number: (800) 526-3057 or (541) 267-7086
Should I contact or pay Western Mercantile Agency, Inc.?
Nothing good can come from contacting a collection agency. And making payments on the debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.
The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like Western Mercantile Agency, Inc. for millions of clients nationwide.
And they can help you too.
Will Western Mercantile Agency, Inc. sue me?
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 debt and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Western Mercantile Agency, Inc. 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.
Western Mercantile Agency, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, 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 Western Mercantile Agency, Inc. does too.
Can Western Mercantile Agency collections be removed from my credit report?
Lexington Law specializes in disputing Western Mercantile Agency collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.