If Western Mercantile Agency shows up on your credit report, it likely means a debt has gone to collections. Here’s what to know—and how to get them removed from your report.
Who Is Western Mercantile Agency?
Western Mercantile Agency, Inc. (WMA) is a debt collection company based in Coos Bay, Oregon. They work with businesses to collect unpaid debts from consumers.
If they appear on your credit report, it means they are trying to collect money owed by you that the original creditor could not recover.
Who Does Western Mercantile Agency Collect For?
Western Mercantile Agency works with businesses across several industries, including:
- Medical and dental providers – Collecting unpaid healthcare bills
- Credit unions and financial services – Recovering past-due loans or accounts
- Utility companies – Collecting unpaid gas, water, or electric bills
- Veterinary services – Recovering unpaid balances for pet care
- Commercial accounts and contracts – Collecting debts from businesses or individuals
- Returned checks or insufficient funds accounts
If you have outstanding bills in any of these areas, your account may have been turned over to WMA.
Is Western Mercantile Agency Legitimate?
Yes, Western Mercantile Agency is a real debt collection agency. But even legitimate collectors can:
- Report incorrect details to the credit bureaus
- Try to collect debts that aren’t valid
- Contact the wrong person
Always verify any debt before agreeing to make payments.
How to Remove Western Mercantile Agency From Your Credit Report
Collections can stay on your credit report for up to seven years, but they may be removed sooner with the right approach:
- Dispute errors – If the account information is incorrect, file a dispute with the credit bureaus.
- Request debt validation – You can ask for written proof the debt belongs to you and the balance is accurate.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Get any agreement in writing first.
- Work with a credit repair service – Professionals can help challenge negative items and assist in improving your credit report.
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 Western Mercantile Agency?
Before sending any payments, confirm the debt is valid and reported accurately. Credit reports can contain mistakes, and paying without verification can sometimes restart collection efforts, depending on state laws.
Many people choose to work with experienced credit repair professionals to avoid missteps when dealing with accounts from Western Mercantile Agency.
Can Western Mercantile Agency Sue You or Garnish Your Wages?
Yes, Western Mercantile Agency can sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
However, lawsuits are often a last resort. Most collection agencies prefer to arrange payment plans or settlements instead of pursuing legal action.
Complaints About Western Mercantile Agency
Like many collection agencies, WMA has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassment or excessive calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Western Mercantile Agency
Consumers are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which help ensure fair treatment and accurate reporting.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof that the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Understanding your rights can help you handle the situation confidently.
Western Mercantile Agency Contact Information
Address:
Western Mercantile Agency, Inc.
165 S 5th St, Suite A
Coos Bay, OR 97420
Phone:
(800) 526-3057
(541) 267-7086
Get Help Removing Western Mercantile Agency From Your Credit Report
Collections can lower your credit score, but you don’t have to face them alone. Credit Saint has over 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from Western Mercantile Agency.
They even offer a 90-day money-back guarantee for added peace of mind.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
